# Transcend Credit Union Promo IRA Super Money Market: 4.50% APY

Canonical: https://dealaka.com/offers/transcend-credit-union-promo-ira-super-money-market-rate

- Status: Limited reports
- Bonus: 4.50% APY
- APY: 4.50% (variable rate, tiered by balance)
- Requirement: $25,000 minimum, variable rate tiered by balance
- Expires: Mar 31, 2027
- Availability: KY (KY)
- Institution: Transcend Credit Union
- Verified: Aug 15, 2026 against transcendcu.com
- Field reports: 0

## 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.

## Requirements
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.

## 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- Funds deposited must be new money (not currently on deposit and not withdrawn within 30 days before opening).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.

## Sources
- transcendcu.com rate page <https://www.transcendcu.com/accounts/deposit-and-invest/deposit-specials> (checked Aug 15, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._