Roth IRA

Grow your retirement savings with after-tax dollars

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Benefit from decades of tax-free, compounded growth when you open a Roth IRA. This type of retirement savings account makes the most sense if you expect your tax rate to be higher during retirement than your current rate. Your annual contributions to a Roth IRA are made with after-tax dollars, so your withdrawals at retirement may be tax-free.

The minimum balance is $100 (Share) or $1,000 (Certificate), and USC Credit Union does not charge a monthly service charge. Start investing today. It’s your future. Own it.

as high as
1.65%
APY

Rates:

IRA**

  • type
    ($1000 minimum) APY
  • IRA Share
    $100 minimum
    0.15%
  • 12 Months
    0.60%
  • 24 Months
    0.85%
  • 36 Months
    1.05%
  • 48 Months
    1.40%
  • 60 Months
    1.65%

For more details please refer to your IRA plan agreement and disclosure. IRS penalties may apply for premature withdrawals in addition to an early withdrawal penalty. Please consult your tax professional for more information.

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APY = Annual Percentage Yield. ** USCCU pays a bonus rate on all certificates over $50,000. Please refer to the USCCU Truth-in-Savings disclosures for complete information on account terms and related conditions. Early withdrawal penalties apply. Fees may reduce earnings. Rates may vary after account is opened.

Your shares are insured to at least $250,000 by the National Credit Union Administration, a U.S. government agency.