What is an IRA?

Individual Retirement Accounts (IRAs) are an important part of planning for your future financial well-being. These specialty savings accounts offer tax advantages, and there are two primary categories of IRAs: Traditional and Roth.

  1. Traditional IRAs allow tax-deductible contributions–taxes are not paid on your deposits until you begin making withdrawals, so the investments grow tax-deferred.
  2. Contributions to Roth IRAs are not tax-deductible, so they are tax-free when you start making withdrawals because you’ve already paid the taxes.

You should discuss your specific situation with a tax expert to ensure that you choose the right plan for your needs.


Choose an IRA that’s right for you!
Your retirement is secure with Stanford FCU! Choose a Traditional or Roth IRA as a savings account or a Certificate.

Our Member Advisors can help you choose the account that’s right for you. Schedule an appointment at a local branch to discuss your options and open your account, or call 888.723.7328 to speak with a Member Advisor.

Learn more or open an IRA at our Retirement Central resource center.


Looking for more options?

Visit our Wealth Management section to learn more about retirement planning and schedule a free consultation with a Financial Advisor.

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