IRA
Individual Retirement Accounts (IRAs)
Visit Retirement Central to learn
more and open an IRA.
Secure your financial future
It’s never too early to start planning your retirement, and we make it easy with multiple options: A Traditional or Roth IRA as a savings account or a Certificate. We also have an experienced Wealth Management team to help you put together a full retirement plan.
Deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration.
Traditional and Roth IRAs
Traditional IRA
- Contributions may be tax deductible*
- Deposits grow tax-deferred until withdrawn
- Withdrawals are taxed as income
- Required Minimum Distribution starts at age 70 ½
Roth IRA
- Funded with post-tax income, so you don’t have to pay income taxes* on the funds in the future
- Deposits grow tax-free
- Tax-free qualified withdrawals
- No early withdrawal fee
- Most withdrawals before age 59 ½ result in IRS penalties
- Not required to withdraw the funds at a certain age vs. Traditional IRA or 401(k)
IRA Certificate
Traditional and Roth IRA Rates
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| Account Description | Dividend Rate | Annual Percentage Yield (IRA) |
|---|---|---|
| Individual Retirement Account (IRA) | 0.10% | 0.10% |
Effective 2/2/26
Earn even higher rates
With a Partner or Ambassador-Level Membership Rewards relationship by opening more accounts!
Premium IRA Certificate Rates for Partners & Ambassadors
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| Term | Dividend Rate (Minimum $100) |
Annual Percentage Yield (Minimum $100) |
|---|---|---|
| 8-Month Love Your Rate Certificate** | 4.12% | 4.20% |
| 12 months | 3.78% | 3.85% |
| 24 months | 3.49% | 3.55% |
| 36 months | 3.30% | 3.35% |
| 48 months | 3.30% | 3.35% |
| 60 months | 3.45% | 3.50% |
IRA Certificate Rates
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| Term | Dividend Rate (Minimum $100) |
Annual Percentage Yield (Minimum $100) |
|---|---|---|
| 8-Month Love Your Rate Certificate** | 4.12% | 4.20% |
| 12 months | 3.28% | 3.33% |
| 24 months | 2.99% | 3.03% |
| 36 months | 2.80% | 2.84% |
| 48 months | 2.80% | 2.84% |
| 60 months | 2.95% | 2.99% |
Effective 2/2/26
Retirement Planning Education
Learn the financial basics about retirement planning with our Online Learning Modules and calculators.
APY= Annual Percentage Yield. Rates are subject to change without notice. Membership eligibility is required. Dividends are compounded and paid monthly. Once a Certificate is opened, the rate remains fixed through maturity, and early withdrawal penalties apply and may reduce earnings.
*Consult a tax advisor.
**To secure the promotional rate on the 8-Month Love Your Rate Certificate, you must apply between 2/2/26–3/31/26. Minimum opening deposit is $100 of new money with no maximum. Additional rate bonuses are not available for this Certificate. A checking or savings account is required with Stanford FCU to open a Certificate. New money required. New money is money that is not currently in a checking account, savings account or Certificate with Stanford FCU. At maturity, the 8-Month Love Your Rate Certificate automatically renews at a 12-month term, at the rate in effect on the maturity date. At maturity and during the grace period, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends seven calendar days later.
