Individual Retirement Account

Your future is secure with Stanford FCU

Planning for life after your career can be challenging—but at Stanford FCU, we’re here to help.  Whether you’re choosing a Traditional IRA, Roth IRA or IRA Certificate, our financial advisors can help you determine the account that is right for you. Our goal is to help ensure you are financially secure when you’re ready to retire, so you can live the rest of your life without worrying about money.

To set an appointment with a member of our team, click here: Set Appointment

IRA Features

Retirement Planning

Whether you’re just starting your retirement plan, or getting ready to collect Social Security, these tools will help you take control!


Traditional IRA

  • NO monthly service fees
  • NO minimum balance required
  • Contributions may be made in “lump sums” or by deposit
  • IRAs are insured by the NCUA up to $250,000

Roth IRA

  • Funded with post-tax income, so you don’t have to pay income taxes on the funds in the future
  • Tax-free qualified withdrawals

Coverdell IRA

  • TAX FREE withdrawals for your student’s higher education expenses
  • Contributions are nondeductible — therefore, unlike the Traditional IRA, distributions from an Educational IRA are penalty free and tax-free

IRA Certificate

  • NO monthly service fees
  • Competitive rates
  • IRA Certificates with minimum balances as low as $1,000
  • Tiered-Rate Certificates are available for terms from 12 months to 5 years


See Rates


Consult your Tax Advisor for further information. All members are required to have a $5 membership share balance in any of the following accounts: Checking Account, Savings Account, Money Market Account, Share Certificate or Individual Retirement Account.
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