Traditional IRA

Own your future with an IRA.

Invest for the years ahead with tax-deductible contributions to an individual retirement account. Save a little at a time and watch your contributions grow tax-deferred until you withdraw them. It’s your future. Own it.

  • 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 certificates over $50,0002
  • Make contributions at any age with qualifying earned income
  • Enjoy penalty-free withdrawals after age 59 ½
  • Start Required Minimum Distributions (RMDs) at 73

IRA Rates

Rates accurate as of 6/18/2024
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).

Invest for the years ahead with an IRA.

Grow your retirement savings tax deferred. Open a Traditional IRA account, online or at any branch.

I’ve been with USC Credit Union for many years, and now in retirement always been taken care of.


  • Checking Accounts

    Free ATMs. Free Online Banking. USC Credit Union checking accounts give you perks and plenty of choices from our no-fee basic to interest-bearing accounts.

  • Debit Cards

    Go cashless! Your Debit/ATM card lets you access the funds in your checking account with one quick swipe.

  • Direct Deposit

    Get paid early! Have your paycheck or any recurring payments deposited electronically into your checking account online. It’s safe, easy to set up, and a real timesaver.

*USC Credit Union pays a bonus rate on most certificates over $50,000. Bonus rate is excluded from promotional certificate offers. Please refer to the USC Credit Union 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. Federally insured by National Credit Union Administration (NCUA).