• No minimum balance is required for the Traditional IRA.
• No monthly fees.
• Contributions may be made in "lump sums" or by regular deposits to the IRA Share throughout the year.
• Dividends are paid monthly.
• IRA Share Certificates are also available with a minimum deposit of $1,000 and terms of twelve, eighteen, twenty-four and thirty-six months. Higher yields are available for certificates of $10,000 or more.
• IRA accounts are insured, by the NCUA, up to $250,000
• For Current IRA and IRA Share Certificate rates, check out our Rate Board.
• To compare IRA Features, check out this Quick Comparison Chart.

A traditional IRA is an account that allows you to defer taxes on your earnings until they are withdrawn. Also, certain contributions may be tax deductible in the year they are made.

Open your Traditional IRA today!

Retiring or changing jobs? Planning on directly rolling over your qualified pension plan into an IRA? If an IRA is composed entirely of one or more rollovers from a qualified pension plan, it may, at a later date, be rolled back into a qualified pension plan. You can do this with our Conduit IRA. At Stanford Federal Credit Union, you can open a Conduit IRA with a zero balance and we will handle the Direct Rollover request from your employer.

The Roth IRA is an account that features tax-free withdrawals for certain distribution reasons after a five-year holding period. Since Roth IRA contributions are nondeductible and taxed in the year they are earned, members who expect to be in a higher tax bracket when they retire may benefit more from a Roth IRA than from a traditional IRA. Unlike the Traditional IRA, there is no requirement to begin taking distributions at age 70 1/2.

Open your Roth IRA today!

The Coverdell Education Savings Plan is an account that features tax-free withdrawals for a child's higher education expenses. Contributions are nondeductible, therefore unlike the Traditional IRA, distributions from an Educational IRA are penalty free and tax-free.

Open your Coverdell Education Savings today!

Consult your tax advisor for further information.

Earn higher dividends with an IRA Share Certificate. IRA Share Certificates are available with a minimum deposit of $1,000. Higher yields are available for larger deposits and longer terms. SFCU's 25-month term Step-Up IRA Certificate is also available with a $1,000 minimum balance.

If you qualify for an IRA, SFCU will help you get one. If you don't have the cash to invest in an IRA, apply now for our Low-Rate Loan - $4,000 maximum loan amount ($2,000 for individual and $2,000 for spouse). Make low monthly payments over a twelve (12) month term.