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IRA CD Account

An Individual Retirement Account Certificate of Deposit (IRA CD) is an alternative investment to help save towards retirement that offers maximum security and a guaranteed rate of return, with earnings being tax deferred.

IRA CD Accounts:
  • Start with a payroll deduction, or initial deposit of $500
  • CDs must be fully funded at the time of opening; direct deposit is not available
  • The annual percentage yield is fixed for the term of the deposit
  • Bonus rates based on your Member Rewards level; earns quarterly dividends
  • Funds are insured by the NCUA
  • 6 month to 60 month terms available
  • Account information included on your monthly statement

View IRA CD Rates

To open an IRA CD, visit your local branch.
(Please note: IRAs cannot be opened online or over the phone.)

All IRA Accounts Offer

  • Free Online Banking & Mobile Banking
  • Free Online Statements
  • Free CALL-24 telephone banking
  • Free Account Alerts to help you manage your accounts
  • Easy access to your account information (in person, over the phone, or online from anywhere in the world)

1APY is Annual Percentage Yield. CD and IRA CD Account rates are accurate as of the date indicated and are subject to change. The minimum deposit required is $500 for all terms. You must maintain a minimum equal to your minimum opening balance in your CD or IRA CD Account each day to obtain the APY. The APY is based on the assumption that interest will remain in the CD or IRA CD Account until maturity. Dividends cannot remain on account and payout of dividends is mandatory.  A penalty may be assessed for early withdrawal. Fees could reduce the earnings on the CD or IRA CD Account.  Fees may offset earnings on the CD or IRA CD Account.
  • SCCU Routing Number: 263177903

Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Flagler, Indian River, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, or Volusia Counties in Florida.

  • Brevard: 321-752-2222
  • Broward: 954-704-5000
  • Miami-Dade: 305-882-5000
  • All Other Areas: 800-447-7228

*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

Space Coast Credit Union (SCCU) © 2015



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Member Rewards

Member Rewards is an exclusive Space Coast Credit Union program that provides benefits such as free or discounted services based on your level of participation in the credit union.

  • Gold members may order one FREE box of SCCU logo checks per year.
  • Platinum members may order unlimited FREE boxes of SCCU Exclusive Style checks (one box at a time).
Learn more about the Member Rewards program.