Individual Retirement Accounts.

Unlike some investments, every dollar you put into your IRA is federally insured.

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 $6,500 in annual income ($7,500 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!

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.