IRA & HSA Rates

Rates accurate as of  Feb. 1, 2024

IRA/ESA & HSA Accounts

Deposit AccountsAmountsAPY*
IRA Shares0.10%
ESA Shares0.10%
HSA Checking Shares0.15%


IRA/ESA Share Certificates

TermTruAdvantage APY*TruBenefits APY*Regular APY*
3 Month3.25%3.10%3.00%
6 Month3.50%3.35%3.25%
9 Month3.50%3.35%3.25%
12 Month3.75%3.60%3.50%
18 Month3.75%3.60%3.50%
24 Month4.25%4.10%4.00%
36 Month4.25%4.10%4.00%
48 Month4.25%4.10%4.00%
60 Month4.25%4.10%4.00%

*All rates above are stated as APY (Annual Percentage Yield). Minimum investment for IRA/ESA/Share Certificates is $500. Fees may reduce earnings. Penalty for early withdrawal. APY is accurate as of the last dividend declaration date. Get details here.