Transcend Credit Union Promo IRA Super Money Market

The Promo IRA Super Money Market earns 4.50% APY when the average daily balance is $50,000 or more, 4.00% for $25,000 to $49,999.99, and 2.50% for $0 to $24,999.99. Rates are guaranteed through March 31, 2027, then variable. This is a tax-deferred retirement account for new money only.

Eligibility

How to get the Transcend Credit Union Promo IRA Super Money Market rate

1. Apply through the offer page to open the Promo IRA Super Money Market.
2. Complete the requirement: $25,000 minimum, variable rate tiered by balance.

The fine print that matters

• APY effective 8/1/2026 and guaranteed through 3/31/2027; rates may vary after 4/1/2027 based on dividend tier rates in effect at that time.
• This is a variable rate account.
• Funds deposited must be new money (not currently on deposit and not withdrawn within 30 days before opening).
• Minimum deposit of $25,000 required to open.
• Minimum average daily balance of $50,000 must be maintained to earn the 4.50% APY.
• Withdrawals limited to minimum of $250 each.
• Six free withdrawals per month; $5.00 fee applies to each additional withdrawal.
• No monthly maintenance fees.
• Subject to credit union fee schedule for routine use.
• Rates and offers subject to change or termination without notice.

Verification and reports

Confirmed against transcendcu.com on Aug 15, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.

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Sources: transcendcu.com rate page (checked Aug 15, 2026)