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All SDCCU branches and Call Center will be closed on Friday, July 4, 2025 in observance of the 4th of July Holiday. Our 30,000 ATMs and mobile and online banking are available for your convenience.
All SDCCU branches and Call Center will be closed on Friday, July 4, 2025 in observance of the 4th of July Holiday. Our 30,000 ATMs and mobile and online banking are available for your convenience.
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IRA Retirement Accounts

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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

Great Rates

Competitive IRA deposit rates

No Set-Up Fees

No Set-Up Fees

No set-up, maintenance, annual or distribution fees

Safe Investment

Safe Investment

Our certificates are federally insured by the NCUA so your money is secure

FREE Online Banking

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

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
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IRA Certificates
IRA Money Market

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
Open an Account View Rates
IRA Saving Accounts

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
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IRA Saving Accounts
Other IRA Options

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 employers to make contributions to Traditional IRAs on behalf of employees, subject to certain percentage-of-pay and dollar limits.
  • 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.
  

Open an Account View Rates

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. 

SEE OUR CURRENT RATES

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!”

Cliff M.

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Why Bank at SDCCU?

SDCCU has over 30,000 surcharge-free ATMs and 39 branch locations.

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