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Illustration of a fishing rod, signifying retirement
Illustration of a fishing rod, signifying retirement
Illustration of a fishing rod, signifying retirement
ira 48- to 60-month certificate
As high as
1.00%APY*

APY effective 04/14/2020

View rates and terms

open yours today

(509) 326.1954
(208) 619.4000
(800) 858.3750
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Branch locations

Retirement starts now!

Social Security? The company pension? Uncle Emmett's inheritance?

The future is uncertain, but with an Individual Retirement Account from STCU, you can control your future by getting rich slowly.

With an IRA, time is on your side. Unlike some investments, every dollar you put into your IRA is federally insured. Plus, many savers can use an IRA to defer or reduce income taxes until a time when your income may fall into a lower tax bracket. (Consult your tax adviser.)

  • $0 to open IRA savings; $500 minimum to open IRA certificate.
  • Contribute up to $6,000 in annual income ($7,000 if 50 and older).
  • Set up automatic deposit to fund your IRA year-round. Call (800) 858-3750 or visit any STCU branch location to set up regular deposits on a schedule that fits your budget. 
  • Tap your IRA funds, if needed, to pay for tuition, medical bills, or your first home.
  • Use your latest tax refund to open a new IRA!

Your choice of investment.

With your IRA, you choose how your money is invested:

Open a certificate IRA: Open with as little as $500, and enjoy rate hikes when your balance exceeds certain amounts.*
Open a savings IRA: No minimum to open, paying you higher rates when your account balance exceeds $6,000.*

IRA comparison and terms.

STCU offers two IRA options (Traditional and Roth) for individuals and one for self-employed or business owners (Simplified Employee Pension). Click below on "Compare IRAs" to review the differences.

Compare IRAs

Need to rollover your IRA?

Changing jobs, retiring, or consolidating your finances can trigger a need to rollover retirement funds without IRS penalty. We'll help answer your questions and assist you in properly rolling over your retirement funds to a federally insured IRA.

Federally insured.

Federally insured up to $250,000.


disclosures

*APY = annual percentage yield. Rate applies to a 48- to 60-month IRA certificate, with $25,000 minimum opening deposit. STCU membership required to open account. Fees may reduce earnings. Penalty for early withdrawal. Rate subject to change. Consult your tax adviser.  All certificate rates, terms, and disclosures