Save for retirement with with IRAs designed to fit your unique goals
Enjoy your golden years with a retirement savings account that works for you. SFCU offers both Traditional and Roth IRAs, along with certificates, to fit your personal retirement goals.
Traditional and Roth IRAs
No matter your income level or personal goals, SFCU the right retirement savings account to fit your needs.
Flexible Terms
Choose a certificate with flexible terms between 6 and 60 months, so you can pick the solution that's right for you.
Earn Higher Dividends
Retirement accounts earn higher dividends compared to other types of savings accounts, so you can better enjoy your golden years.
Lock in Rates
Lock in your dividend rate for the lifetime of the certificate to make it easy to predict your earnings.
Rates
View ratesCalculate your monthly savings
Let's see what your earnings could be.
Final Balance
Contributions: | Earnings:Make the most of your retirement savings
Put your money to work, so you don't have to during retirement! Most retirement savings options earn higher dividends compared to other types of savings accounts. That way, you can make the most of your money and the most of your retirement later.
Choose a savings option that fits your retirement goals
Your retirement goals are as unique as you! That's why SFCU offers a variety of retirement options to suit any need, budget, or goal. Choose from Roth IRAs, Traditional IRAs, and IRA Certificates to find the one that works for you.
Traditional IRA
Keep your tax burden low by paying taxes on withdrawals, not on the deposits you make now.
Roth IRA
Get the maximum withdrawals by paying taxes on your deposits now and not when you use the funds in retirement.
IRA Certificate of Deposit
Put your money away for a set term to earn a higher dividend and watch your retirement savings grow.
I've been a member since 1984. I've had issues with other banks but never the SFCU.
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1
Complete an application
Contact an IRA specialist or visit your local branch.
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2
Choose term
Determine the best savings account for you and make your initial deposit.
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3
Earn dividends
As your funds remain in your account, your retirement savings will grow.
Have a question? Get in touch with us
Secure a brighter future for your retirement
With an IRA from SFCU, you can build your savings for retirement in a safe, reliable way. that'll set you up for years of enjoyment later in life.
Traditional and Roth IRA Certificates Rates
| Type of Account or Certificate | Term | Minimum Balance required to open and obtain the Annual Percentage Yield | Dividend Rate (APR) | Annual Percentage Yield (APY) |
|---|---|---|---|---|
|
Fixed Rate |
Savings* |
$118 |
0.05% |
0.05% |
|
91 Day |
$1,000 |
0.70% |
0.70% |
|
|
6 Month |
$1,000 |
0.80% |
0.80% |
|
|
9 Month |
$1,000 |
0.85% |
0.85% |
|
|
12 Month |
$500 |
1.50% |
1.51% |
|
|
15 Month (special) |
$500 |
4.31% |
4.40% |
|
|
$200,000 |
4.55% |
4.65% |
||
|
18 Month |
$500 |
1.75% |
1.77% |
|
|
24 Month |
$500 |
2.25% |
2.27% |
|
|
30 Month |
$500 |
2.35% |
2.38% |
|
|
36 Month |
$500 |
2.50% |
2.53% |
|
|
48 Month |
$500 |
2.75% |
2.78% |
|
|
60 Month |
$500 |
3.00% |
3.04% |
as of 2/7/23
Payroll Deduction available on IRA Savings/No setup fee or maintenance fees. We accept Rollovers, Direct Rollovers from Qualified Retirement Plans, and Direct Transfer Contributions.
There will be no dividend penalty on IRA Certificates if the IRA owner is 59 1/2 years of age or older.
* There are no dividend penalties on the IRA Savings Account.
**APY = Annual Percentage Yield.
Special offer rates are subject to change without notice and restrictions may apply. APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. A penalty will be imposed for withdrawals prior to the maturity date. Membership eligibility required.
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Rates effective as of: September 19, 2024
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