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Why Bank With SDCCU?
IRA Retirement Accounts
San Diego County Credit Union IRA Savings Accounts
A San Diego County Credit Union Individual Retirement Account (IRA) may be the right retirement investment option to help you meet your retirement goals. IRAs may provide tax-deferred or tax-free savings and offer advantages for employed individuals regardless of income level. Always consult your tax advisor.
SDCCU IRA accounts offer: no set-up fees, no maintenance fees, no annual fees, no distribution fees and competitive IRA deposit rates. SDCCU offers multiple types of individual retirement accounts (IRAs) including IRA Certificates, IRA Money Market Accounts, IRA Savings Accounts and more. Thinking about investing in a tax-advantaged retirement account? Continue reading to learn more about our credit union IRAs.
Great Rates
Competitive IRA deposit rates
No Set-Up Fees
No set-up, maintenance, annual or distribution fees
Safe Investment
Our certificates are federally insured by the NCUA so your money is secure
FREE Online Banking
SDCCU Internet Branch online banking with free eStatements
What is an IRA?
An individual retirement account (IRA) is a long-term savings account that offers tax benefits to help you save for retirement. There are several different types of IRAs, but they all allow you to save money on a tax-deferred basis. An IRA can be a smart investment for anyone with a taxable income.
Explore our IRA investment accounts to find the best retirement plan for you.
Choose your retirement investment account
IRA Certificates
Earn tiered dividend rates based on your account balance and fixed term with an IRA Certificate from SDCCU.An IRA Certificate is a hybrid investment that combines the stability of a certificate of deposit (CD) with the tax benefits of an individual retirement account. IRA CDs offer various advantages to investors including: predictable income, safety from loss and high interest compared to regular saving accounts.
- Monthly fee: No fee!
- Minimum opening deposit: $2,000
- Term: Three months to five years
- Contributions: One time contribution
IRA Money Market
Keep your retirement account money liquid while earning tiered dividend rates based on your balance in a money market IRA. A retirement money market account is a tax-advantaged savings account designed for investors who want stability and liquidity. SDCCU rates are competitively priced to ensure the maximum return for you. Open a money market account online today.- Monthly fee: No fee!
- Minimum opening deposit: $5,000
- Contributions: Periodic contributions allowed
IRA Saving Accounts
Earn competitive dividends on your IRA savings from the date of deposit until the date of withdrawal. An IRA savings account can help you make the most of your hard-earned income. Start saving for retirement with an IRA savings account from San Diego County Credit Union.- Monthly fee: No fee!
- Minimum opening deposit: None
- Contributions: Periodic contributions allowed
Other IRA Options
San Diego County Credit Union also accepts:
- Rollover IRA - Allows employees who receive a lump-sum distribution upon leaving an employer, or upon termination of an employer's qualified retirement plan, to roll over all or any portion of the funds into a SDCCU IRA.
- Transfer IRA - Allows funds from an existing IRA account at another financial institution to be transferred into a SDCCU IRA.
- Simplified Employee Pension (SEP) IRA - Allows employees to receive employer contributions to individual SEP IRAs, subject to certain percentage-of-pay and dollar limits. SDCCU does not manage or administer SEP plans.
- Spousal IRA - Allows the non-working spouse to contribute to an IRA.
- IRA Conversions - Allows conversion from a Traditional IRA to a Roth IRA.
Learn more about IRA options.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Must maintain a $1 savings balance.
Ascensus, Inc. is not affiliated with SDCCU.
WHAT PEOPLE ARE SAYING
“It has been SO REFRESHING to work with SDCCU because of everyone's customer service and caring attitude. Why did I wait so long to make the switch? If you are considering it, don't procrastinate! Just do it!”
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BEST Credit Union
SDCCU has over 30,000 surcharge-free ATMs and 39 branch locations.
Open an account online today!