{"slug":"transcend-credit-union-promo-ira-super-money-market-rate","category":"bank","institutionSlug":"transcend-credit-union","product":"Promo IRA Super Money Market","title":"Transcend Credit Union Promo IRA Super Money Market: 4.50% APY","bonus":"4.50% APY","unit":"cash","amount":0,"reqShort":"$25,000 minimum, variable rate tiered by balance","expiresOn":"2027-03-31","status":"live","verifiedOn":"2026-08-15","reports":0,"openIssues":0,"states":["KY"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"Dividends calculated using tiered dividend rate based on average daily balance; average daily balance for the month earns the stated dividend rate for the applicable account balance tier.","applyDomain":"transcendcu.com","applyUrl":"https://www.transcendcu.com/accounts/deposit-and-invest/deposit-specials","summary":"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.","reqSteps":[],"finePrint":["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at that time.","This is a variable rate account.","Funds deposited must be new money (not currently on deposit and not withdrawn within 30 days before opening).","Minimum deposit of $25,000 required to open.","Minimum average daily balance of $50,000 must be maintained to earn the 4.50%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."],"apy":450,"apyTerm":"variable rate, tiered by balance","listedOn":"2026-08-15","listedAt":"2026-08-15T13:05:59.333Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"transcendcu.com rate page","url":"https://www.transcendcu.com/accounts/deposit-and-invest/deposit-specials","checkedOn":"2026-08-15"}],"needsVerification":false}