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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.


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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

  • Whether you wish to send a one-time direct deposit, such as your tax refund, or your recurring paycheck – SFCU wants to make it easy.

    Here is all you need to do:

    1. Provide Routing Number, which is 221379905
    2. Provide your Account Number. DO NOT include the suffix. Ex. If your Account Number is 123456 and your checking account suffix is 0700, do not provide 123456-0700. Only provide 123456. Also, do not include any leading zeros.
    3. If the form asks if the funds go to savings or checking, make your selection. If no selection is made AND you have an SFCU checking, the funds will be deposited into the checking account.

    It’s as simple as 1-2-3. If you have any additional questions, select the chat option during virtual branch hours or call to speak with a representative.


  • You can find a detailed Service Fee Schedule here.

  • At SFCU, we know that choosing the right insurance is an important decision for your financial future. Through our partnership with TruStage, members have a variety of choices so that you can choose the plan that is right for you and your family. Our partners at TruStage offer our members options for life insurance, car insurance, homeowner’s insurance, renter’s insurance, and more.

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.

We will be CLOSED Saturday, May 25th and Monday, May 27th in observance of Memorial Day. If you are contacted and asked to provide your online banking credentials, passwords or any other SFCU account information, do not share this confidential information! Immediately hang up and call us at the phone number provided on our website during regular business hours. Scammers may try to represent themselves as SFCU staff or create a sense of urgency. Do not become a victim of fraud.