Our IRAs can help you build a strong retirement fund.

Individual Retirement Accounts (IRAs) are good tools for building a strong retirement fund. Unlike most investments, IRA contributions may be tax-deductible and will grow either tax-deferred or tax-free depending on the type of IRA you choose.

The Credit Union offers both Traditional and Roth IRAs in a liquid savings plan and in higher-yield Share Certificates in a variety of terms.

Consult your financial advisor to determine which IRA plan is best for you.*

 

Traditional IRA

Traditional IRAs may provide immediate tax benefits, with contributions and/or earnings tax-deferred until retirement (based on the availability of an employer's retirement plan and income level). 

 

Roth IRA

A Roth IRA gives you the ability to invest your after-tax dollars today, lets the investment grow tax-deferred, then allows you to withdraw your principal and earnings tax-free after five years. (You may be subject to a 10 percent penalty on the earnings if taken before age 59 ½.)

 

Learn More and Get Started

For more information about our IRA offerings, or to open an IRA, visit our IRA and HSA Center or give us a call at 510-251-6000 or 800-782-8782.

 

IRA and HSA Center

 


*The Credit Union does not provide tax or retirement savings advice. Please consult with a professional.

 

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