Dividends are compounded and credited monthly. Accrued dividends will not be paid to any account closed prior to the end of the period. $5.00 annual maintenance fee. (Excluding Prime Advantage Club Members). IRA Certificates available – see certificate terms and conditions. Qualifying Credit Union IRA accounts are insured up to $500,000 ($250,000 through NCUA and $250,000 through Excess Share Insurance). Deposit and/or withdrawal restrictions may apply. Check with your tax advisor for specific IRS rules and tax deductibility on your IRA.