Cabrillo Credit Union : IRAs


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An IRA (Individual Retirement Account) is one of the basic savings tools for your retirement. It can also be a great tax benefit, too! We offer a number of high interest bearing IRAs to choose from. We can help you decide which one is right for you, but you should also contact your tax consultant for tax implications. Whichever you choose, you are taking the right steps to ensure a happy and rewarding retirement!

And, since everyone’s needs are different, you have your choice in investing in a Traditional IRA or a Roth IRA. A Traditional IRA allows you to make potentially deductible contributions, while a Roth IRA allows you to accumulate tax-free earnings. Heck, invest in both! In either case, you may invest your money in one of two ways:

Market Rate IRA
The Market Rate IRA pays a competitive dividend rate that is compounded monthly. The Market Rate IRA can be opened with as little as $1.00, and deposits and withdrawals can be made at your leisure (Federal restrictions apply). Dividends are compounded and declared monthly and paid directly into the account on the first day of each month.

Investment Rate IRA
For a higher earning yield, invest in an Investment Rate IRA. The Investment Rate IRA is a fixed rate share certificate with terms from 6 months to 5 years. There is a minimum deposit of $1,000. Dividends are compounded monthly.


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