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Traditional and Roth IRAs

Save for retirement with with IRAs designed to fit your unique goals

Enjoy your golden years with a retirement savings account that works for you. SFCU offers both Traditional and Roth IRAs, along with certificates, to fit your personal retirement goals.


Traditional and Roth IRAs

No matter your income level or personal goals, SFCU the right retirement savings account to fit your needs.

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Flexible Terms

Choose a certificate with flexible terms between 6 and 60 months, so you can pick the solution that's right for you.


Earn Higher Dividends

Retirement accounts earn higher dividends compared to other types of savings accounts, so you can better enjoy your golden years.


Lock in Rates

Lock in your dividend rate for the lifetime of the certificate to make it easy to predict your earnings.


View rates
As high as APY*

Calculate your monthly savings

Let's see what your earnings could be.

Final Balance

Contributions:     |    Earnings: 
Earn Higher Dividends

Make the most of your retirement savings

Put your money to work, so you don't have to during retirement! Most retirement savings options earn higher dividends compared to other types of savings accounts. That way, you can make the most of your money and the most of your retirement later.

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Variety of Savings Options

Choose a savings option that fits your retirement goals

Your retirement goals are as unique as you! That's why SFCU offers a variety of retirement options to suit any need, budget, or goal. Choose from Roth IRAs, Traditional IRAs, and IRA Certificates to find the one that works for you.


Traditional IRA

Keep your tax burden low by paying taxes on withdrawals, not on the deposits you make now.


Roth IRA

Get the maximum withdrawals by paying taxes on your deposits now and not when you use the funds in retirement.


IRA Certificate of Deposit

Put your money away for a set term to earn a higher dividend and watch your retirement savings grow.

Frequently Asked Questions

  • Routing#: 221379905

  • The NCUA provides a handy Share Insurance Toolkit at

  • 9 MONTH SHARE CERTIFICATE – beginning 4/3/2023

    5.00% APY* with a $100,000 Minimum Balance


    4.75% APY* with a $500 Minimum Balance

    New Money Only

    RATES     |          877.642.7328          |          OPEN TODAY 

    *APY = Annual Percentage Yield. APY for the 9-Month term accurate as of 04/03/2023. Offer valid for new money only and does not apply to funds already on deposit with SFCU. $100,000 minimum balance required for the 5.00% APY and a $500 minimum balance is required for the 4.75% APY. Rates are reviewed weekly and are subject to change at any time without notice. The APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. A penalty will be imposed if a withdrawal is made prior to the maturity date. Fees may reduce earnings on account. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Membership eligibility required.


I've been a member since 1984. I've had issues with other banks but never the SFCU.

— Nancy W

How it works

Our IRA Specialists will guide you through the application

  • 1

    Complete an application

    Contact an IRA specialist or visit your local branch.

  • 2

    Choose term

    Determine the best savings account for you and make your initial deposit.

  • 3

    Earn dividends

    As your funds remain in your account, your retirement savings will grow.

Open an IRA


Have a question? Get in touch with us

Secure a brighter future for your retirement

With an IRA from SFCU, you can build your savings for retirement in a safe, reliable way. that'll set you up for years of enjoyment later in life.

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