Individual Retirement Accounts.

With IRA, boring is beautiful — after all, when it comes to saving money, time is on your side. And unlike some flashier investments, every dollar you put into your IRA is federally insured.

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.)

STCU offers two IRA options (Traditional and Roth) for individuals and one for self-employed or business owners (Simplified Employee Pension).

• $0 to open IRA savings; $500 minimum to open IRA certificate.
• Contribute up to $7,000 in annual income ($8,000 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!

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.