Vantage West Credit Union is offering a special 18-month IRA share certificate special with a 3.00% APY. Minimum deposit is $500. New money is required. The offer is scheduled to end on February 27, 2010. This special is listed at the credit union's promo page as of 1/23/2010.
Membership is open to those who live, work, worship, or volunteer in Pima County, Pinal County and parts of the Greater Phoenix metro area. You can also be eligible to join based on your employer, your college or an association membership. Please refer to the credit union's membership page for the full details. Membership requires a minimum $5 balance in the regular share savings account.
The credit union's ratings for safety and soundness are average: 3 stars (adequate) at BauerFinancial and 3 stars (performing) at Bankrate.com. Both ratings are based on 9/30/09 data. The credit union is federally insured by the NCUA (Charter # 68558).
Thanks to the reader who mentioned this special in the Open Discussions Thread.
Other IRA CD Deals
If you're looking for better CD rates on an IRA, January is a good time. Banks and credit unions often have good deals during this time since people often make their IRA contributions between January and April 15th when you can make a contribution for both the current and previous year.
Two easy-to-join credit unions are still offering 3% IRA CD deals as of 1/23/2010: