Fort Smith Dixie Cup Federal Credit Union Logo White

Proudly Serving Employees of:

Dixie Cup of Fort Smith

Rock-Tenn of Fort Smith

An Individual Retirement Account is a personal, tax deferred retirement plan.

Anyone with earned income can contribute up to $3,000.00 each year to an IRA with additional catch-up contributions for those over age 50. All deposits and earnings on an IRA are fully tax-deductible, until the funds are withdrawn.

Current interest rates are available upon request. Each IRA is insured up to $250,000.00 by an agency of the Federal Government.

Current Rates

Share Certificates (minimum of $1,000.00)

Term
6 months
12 months

12 months (over $100,000)

3 months ($5,000)

Rate
2.00% / 2.0167% APY
2.75% / 2.7850% APY

5.00% / 5.1163% APY


5.00& / 5.0837% APY

Share Dividends

Amount
$25 – $100
$100 – $500
$500 – $5000
$5,000 +
Christmas Club
I.R.A’s

Rate
Zero
0.05%
0.25%
0.50%
0.05%
0.50%

New Vehicle & Motorcycle

Credit Score
Tier 1
Tier 2
Tier 3
Tier 4
Tier 5

Rate
5.00%
6.00%
8.00%
10.00%
14.00%

Used Vehicle & Motorcycle

Credit Score
Tier 1
Tier 2
Tier 3
Tier 4
Tier 5

Rate
5.50%
6.50%
9.00%
12.00%
16.50%

Signature Loans

Credit Score
Tier 1
Tier 2
Tier 3
Tier 4
Tier 5

Rate
7.75%
10.75%
14.25%
16.25%
17.75%