IRA Certificate Accounts

No matter your start, we’ll take you further.

A big dream doesn’t have to come with big risk.

An IRA Certificate Account is a secure way to save for your golden years. Similar to a traditional certificate account, your funds are locked in for a predetermined term while earning higher dividend rates. 

To open an IRA Certificate Account, visit a Hughes branch near you or call us at 520-794-8341.

Share Insurance Coverage Overview

Learn how your deposits are insured

Rates

3.67% APY*
12 Mo. IRA Certificate • $1,000 Min. Deposit
3.72% APY*
12 Mo. IRA Certificate • $50,000 Min. Balance
3.77% APY*
12 Mo. IRA Certificate • $99,000 Min. Balance
3.46% APY*
24 Mo. IRA Certificate • $1,000 Min. Deposit
3.51% APY*
24 Mo. IRA Certificate • $50,000 Min. Balance
3.56% APY*
24 Mo. IRA Certificate • $99,000 Min. Balance
3.20% APY*
36 Mo. IRA Certificate • $1,000 Min. Balance
3.25% APY*
36 Mo. IRA Certificate • $50,000 Min. Deposit
3.30% APY*
36 Mo. IRA Certificate • $99,000 Min. Balance

Features & Benefits

  • Minimum balance is $1,000
  • Earn more with competitive rates
  • Insured by NCUA

Why IRA Certificate Accounts ?

Save smarter with an IRA Certificate Account

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Flexible Terms

Terms of 12, 24, and 36 months offered.
Easy Start Icon

Easy Start

Open an account with as little as $100. 
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Peace of Mind

Your savings are insured by NCUA, up to $250,000.

FAQ

IRA Certificate Accounts Frequently Asked Questions

What are the eligibility requirements to apply?

You may join Hughes Federal Credit Union if you:

  • Live, work, worship or attend school in Tucson
  • Are employed by one of our Select Employer Groups
  • Have a family / household member who is a member of Hughes: Family member – a spouse, child, sister/brother, parent, grandparent, grandchild, stepparent, stepchild, stepsister/brother, or adopted child. A household member is a person living in the same residence sharing household expenses.
  • Make a small donation to one of the following community Special Interest Groups:
    • Friends of the Oro Valley Public Library
    • Friends of the Kirk Bear Canyon Library


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Disclosures

Effective Date: 04-01-2026

*APY = Annual Percentage Yield. IRA Certificate Accounts are compounded daily and credited monthly. Minimum Balance required to open an account and earn the posted APY. There is a substantial penalty for early (premature) withdrawal of Certificate Account funds. There may be a government penalty for early withdrawal of IRA funds. Please reference Share Accounts Information and Disclosure and/or contact a Credit Union employee for additional information. Rates and terms are subject to change at any time. Fees may reduce earnings.