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.

All SDCCU IRA accounts offer:

  • No set-up fees
  • No maintenance fees
  • No annual fees
  • No distribution fees
  • Competive IRA deposit rates
Learn more about SDCCU IRAs.

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.

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.
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"I love SDCCU and recommend them to everyone I know. I would never switch to another bank for my financial needs as I always get great, friendly service. Keep up the great work!" Vanessa A., San DiegoMember since 2005

San Diego County Credit Union® was founded on the principle that people come first and profits second. This forward-thinking approach in the banking industry has propelled SDCCU® to become San Diego’s BEST Credit Union and largest locally-owned financial institution. SDCCU provides breakthrough banking products that meet the demands of today’s lifestyle and delivers banking services that save customers money. SDCCU serves customers nationwide with 30,000 surcharge-FREE CO-OP ATMs and 33 branch locations in San Diego, Riverside and Orange counties. Open an account today.


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