Depending on your needs and goals, a San Diego County Credit Union Individual Retirement Account (IRA) may be the right investment option for you. IRAs provide tax-deferred or tax-free savings and offer advantages for employed individuals regardless of income level.

All SDCCU^® IRA accounts offer no set-up, maintenance, annual or distribution fee. Choose from the following investment choices:

	IRA Money Market IRA Certificate IRA Savings Earnings Earn tiered dividend rates based on balance Earn tiered dividend rates based on balance and term Earn competitive dividends from date of deposit until date of withdrawal Minimum Opening Balance $5,000 $2,000 No minimum Contribution Allowance Periodic contributions allowed One time contribution No minimum contributions; periodic contributions allowed Term No term Terms of three months to five years No term

Open an IRA Account today at any of our convenient branch locations or online:
	Current members:	New Members:

San Diego County Credit Union also accepts:

Rollover IRA - Allows employees who receive a lump-sum distribution upon leaving an employer, or upon termination of an employer's qualified retirement plan, to roll over all or any portion of the funds into a SDCCU Traditional IRA.

Transfer IRA - Allows funds from an existing IRA account at another financial institution to be transferred into a SDCCU IRA.

Simplified Employee Pension (SEP) IRA - Allows employers to make contributions to Traditional IRAs on behalf of employees, subject to certain percentage-of-pay and dollar limits.

Spousal IRA - Allows the non-working spouse to contribute to an IRA.

IRA Conversions - Allows conversion from a Traditional IRA to a Roth IRA.

For more information, please visit our IRA Service Center.