Roth IRA

Boost your retirement with tax-free savings.

Benefit from decades of tax-free, compounded growth with a high-interest Roth IRA. When your investments earn interest, that amount gets added to your account balance, compounding your interest and dividends over time. Opt for a Roth IRA if you anticipate your tax bracket being higher when you begin taking withdrawals. Contribute income or compensation, of any kind, and realize tax-free gains.

  • Pay no monthly service charge
  • Open with $100 minimum balance (Share) or $1,000 (Certificate)
  • Contribute up to $7,000 per year if you’re under 50, $8,000 if over 50
  • Earn a bonus rate on all certificates over $50,0002
  • Make contributions at any age with qualifying earned income
  • Enjoy tax-free and penalty-free withdrawals after age 59½ from accounts open for at least five years
  • No minimum distributions to meet
  • Income-free withdrawals for Roth IRAs signed over to heirs

IRA Rates

Rates accurate as of 7/22/2024
All rates and terms subject to change without notice.

TypeDividend RateAPY*
IRA Share ($100 minimum)0.200%0.20%
12 Months ($1,000 minimum)3.639%3.70%
24 Months ($1,000 minimum)3.445%3.50%
36 Months ($1,000 minimum)3.494%3.55%
48 Months ($1,000 minimum)3.542%3.60%
60 Months ($1,000 minimum)3.590%3.65%

*APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date. Fees may reduce earnings. Rates may vary after account is opened. Federally insured by National Credit Union Administration (NCUA).

Benefit from tax-free growth with a Roth IRA.

Make your retirement savings work harder. Open a Roth IRA account, online or at any branch.

Been a member since 2009. This is a great place to bank…and they have good retirement plans.


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  • Direct Deposit

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1USC Credit Union pays a bonus rate on most certificates over $50,000. Bonus rate excluded from promotional certificate offers. Please refer to the USCCU Truth-in-Savings disclosures for complete information on account terms and related conditions. Early withdrawal penalties apply. IRS penalties may apply for premature withdrawals in addition to an early withdrawal penalty. Please consult your tax professional for more information.