IRA Retirement Accounts

SDCCU has over 30,000 surcharge-free ATMs and 43 branch locations.

IRA Retirement 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.

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

Choose your retirement investment account

an older man enjoying his retirement with his grandkids

IRA Certificates

Earn tiered dividend rates based on your account balance and fixed term.

Monthly fee: No fee!
Minimum opening deposit: $2,000
Term: Three months to five years
Contributions: One time contribution

Open an Account Visit a Branch

IRA Money Market

Keep your retirement account money liquid while earning tiered dividend rates based on your balance in a money market IRA.

Monthly fee: No fee!
Minimum opening deposit: $5,000
Contributions: Periodic contributions allowed

Open an Account Visit a Branch

older couple having a happy retirement thanks to sdccu ira savings account

IRA Saving Accounts

Earn competitive dividends on your IRA savings from the date of deposit until the date of withdrawal.

Monthly fee: No fee!
Minimum opening deposit: None
Contributions: Periodic contributions allowed

Open an Account Visit a Branch

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.

Open an Account Visit a Branch

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.

Be a Part of San Diego’s
BEST Credit Union

Why Bank at SDCCU?

Be a Part of San Diego’s
BEST Credit Union

Why Bank at SDCCU?

SDCCU has over 30,000 surcharge-free ATMs and 43 branch locations.

Open an account online today!