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Depending on your needs and goals, a San Diego County Credit Union Individual Retirement Account (IRA) may be the right retirement investment option for you. IRAs may provide tax-deferred or tax-free savings and offer advantages for employed individuals regardless of income level. Consult your tax advisor.
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Special Offer!
Take advantage of our great rate promotional IRA Certificate and Certificate Accounts today.
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All SDCCU® IRA accounts offer no set-up, maintenance, annual or distribution
fee. Choose from the following investment choices:
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IRA
Money Market |
IRA
Certificate |
IRA
Savings |
| Earnings |
Earn tiered dividend
rates based on balance |
Earn tiered dividend
rates based on
balance and term |
Earn competitive dividends from date of deposit
until date of withdrawal |
| Minimum Opening Balance |
$5,000 |
$2,000 |
No minimum |
| Contribution Allowance |
Periodic contributions allowed |
One time contribution |
No minimum contributions; periodic contributions
allowed |
| Term |
No term |
Terms of three
months to five years |
No term |
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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.
For more information, please visit our IRA Service Center.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Opening and maintaining a Primary Savings Account at San Diego County Credit Union requires a minimum $50 deposit per the Credit Union's charter. |
