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The IRA Savings Account offers an annual Percentage Rate compounded and credited each calendar quarter paid on the average daily balance. The dividend rates are declared at the end of each dividend period by the Board of Directors. The minimum opening deposit is only $100.00. Minimum balance to earn the annual percentage yield is $100.00. This account is insured to $250,000.00 by NCUA, an agency of the federal government. Contact DFCU Tulsa for more details at 918-665-7662.