Agriculture Federal Credit Union has a special no penalty IRA CD available. The certificate of deposit has a 60 month term with 3.00% APY. Although this is a bit low for a 5 year term, it’s a no penalty CD meaning you can withdraw your money at any time so if you find a better deal you can go ahead and take it. This CD special is still available as of 1/19/2010.

You can withdraw the entire amount and all interest will be included with the withdrawal up to the date that the withdrawal was made. You can request this by phone, email, or mail.

AFCU’s field of membership includes members of CityDance Ensemble. CityDance has open membership to anyone that pays membership dues of $20.00. This membership can be done at the same time that you apply for credit union membership. They have an online membership application in which you can join CityDance for $20 and join the credit union for a $5 initial deposit to the Primary Share account. You do not have to renew your CityDance membership to maintain membership at the credit union.

The field of membership also includes those who live, work or worship in Washington DC plus other group affiliations.

Branches are located in Washington DC, Riverdale, Maryland, and Alexandria, Virginia. AFCU is also part of National Shared Branching network in which you can use local credit unions to access your account and conduct many transactions.