Last Updated: 04/18/2025
Lisbon Community FCU Traditional and Roth Individual Retirement Accounts
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Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
2.78% - 3.56%(Verified 06/21/2024)
Minimum Opening Deposit
$100
Minimum Balance to Earn APY
$100
Lisbon Community FCU Traditional and Roth Individual Retirement Accounts Review
Lisbon Community FCU Traditional and Roth Individual Retirement Accounts is offered by Lisbon Community Federal Credit Union, a credit union founded in 1959 and based in Lisbon, ME. Lisbon Community FCU Traditional and Roth Individual Retirement Accounts are available in 50 states and Washington, DC.
Key Takeaways
- High yield savings. This account offers an annual percentage yield of up to 3.56%, which is much higher than the average interest rate for a savings account. However, you must meet minimum balance requirements for higher APYs.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- $100.00 minimum opening deposit. This is a typical minimum initial deposit.
Lisbon Community FCU Traditional and Roth Individual Retirement Accounts Pros & Cons
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Lisbon Community FCU Traditional and Roth Individual Retirement Accounts FAQ
Are savings accounts from Lisbon Community Federal Credit Union federally insured?
Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Does Lisbon Community Federal Credit Union offer a signup bonus?
Lisbon Community FCU Traditional and Roth Individual Retirement Accounts doesn't offer a signup bonus.
What is the minimum initial deposit for Lisbon Community FCU Traditional and Roth Individual Retirement Accounts?
The minimum deposit to open a Lisbon Community FCU Traditional and Roth Individual Retirement Accounts is $100.00.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $100.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $100.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Required Balance | $100.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does Lisbon Community FCU Traditional and Roth Individual Retirement Accounts offer?
Lisbon Community FCU Traditional and Roth Individual Retirement Accounts offers a variable APY starting at 2.78% and ranging up to 3.56% (APY stands for annual percentage yield, rates may change). This is much higher than the national average rate for savings accounts.
What fees does Lisbon Community FCU Traditional and Roth Individual Retirement Accounts charge?
Lisbon Community FCU Traditional and Roth Individual Retirement Accounts does not charge a monthly service fee. See the fee breakdown section below to view all fees.
- Outgoing domestic bank transfers come with a $20.00 fee.
- Outgoing international bank transfers come with a $40.00 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
- An overdraft on your account will trigger a $25.00 fee per item.
- Lisbon Community FCU Traditional and Roth Individual Retirement Accounts charges $2.00 every time you request a paper statement.
Does Lisbon Community FCU Traditional and Roth Individual Retirement Accounts charge overdraft fees?
Yes, Lisbon Community FCU Traditional and Roth Individual Retirement Accounts charges a $25.00 overdraft fee. Lisbon Community FCU Traditional and Roth Individual Retirement Accounts offers overdraft protection at a cost of $2.00 per transaction. This overdraft protection fee is charged every time the bank arranges a transfer from another one of your accounts, typically a savings account, to cover the overdraft.
What features and perks does Lisbon Community FCU Traditional and Roth Individual Retirement Accounts offer?
This savings account includes the following features:
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to Lisbon Community FCU Traditional and Roth Individual Retirement Accounts?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
What is the customer support email for Lisbon Community FCU Traditional and Roth Individual Retirement Accounts?
The customer support email for Lisbon Community FCU Traditional and Roth Individual Retirement Accounts is memberservices@lisboncu.org.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 12:00PM