Gain tax-saving advantages while securing a strong foundation for your retirement. There are no setup fees to get your IRA started with ACCU, and it only takes a $50 deposit to open. We make it easy to get started, so you can finish strong.

Details
  • Tax-advantaged retirement savings
  • Competitive dividends above standard savings rates
  • Traditional and Roth IRAs available
  • No setup or maintenance fees
  • $5,500 contribution limit per year
  • Additional $1,000 "catch-up" contribution allowed for ages 50+
  • IRA Certificates
    • $500 minimum to open
    • 1-year to 5-year terms
  • IRA Share/Savings - $50 minimum to open 
Traditional vs. Roth

There are advantages to both traditional and Roth IRAs. One of the biggest differences is when you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.

Traditional IRA

  • No income limits to open
  • Contributions are tax deductible on state and federal income tax*
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 59½
  • Early withdrawals subject to penalty**
  • Mandatory withdrawals at age 70½

Roth IRA

  • Contributions are NOT tax deductible
  • Earnings are 100% tax free at withdrawal
  • Principal contributions can be withdrawn without penalty*
  • Withdrawals on interest can begin at age 59½
  • Early withdrawals on interest subject to penalty**
  • No mandatory distribution age

*Subject to some minimal conditions. Consult a tax advisor.

**Certain exceptions apply, such as healthcare, purchasing first home, etc.

Get Started

If you are ready to open your IRA account follow these easy steps: 

For New Members - 

For Existing Members opening a new IRA - 

For Existing Members making a contribution to an existing ACCU IRA -

  • Complete the contribution form for either a Roth IRA or Traditional IRA
  • Complete the IRA Direct Transfer form to transfer your existing IRA to ACCU (optional)
  • Mail completed forms with original signatures to 2100 E. Route 66, Suite 100 Glendora, CA 91740

Our dedicated IRA representatives are ready to assist you at 1-800-343-6328 or info@americasccu.com

IRA Special March - April 2018

Strengthen Your Retirement Savings

Add 0.60% APY* to any IRA Term Share Certificate when you make an IRA contribution or roll over the funds from your current IRA into an IRA at America's Christian CU on or before April 16, 2018.

Options that Fit Your Needs:

  • Traditional IRA
  • SEP IRA
  • Roth IRA

Individual Retirement AccountsMinimum BalancePromo Dividend RatePromo APYRate TypeCompounded/Paid
12 Month $500 1.7978% 1.81% Fixed Quarterly
24 Month $500 2.1432% 2.16% Fixed Quarterly
36 Month $500 2.339% 2.36% Fixed Quarterly
48 Month $500 2.7415% 2.77% Fixed Quarterly
60 Month $500 3.0355% 3.07% Fixed Quarterly

*APY – Annual Percentage Yield. Minimum deposit $500.00. No maximum for rollover or transfer of funds. Prior and Current Year contribution limits are set by the federal government. At opening, IRA Term Share Certificate will incur a 60 bps increase for the term selected. At maturity, the IRA Term Share Certificate will automatically renew at the current, selected term rate unless we are notified in writing prior to the maturity date. Rate above as of 03/15/2018. Penalty for early withdrawal. Penalty may reduce the principal. Additional IRS penalties and tax implications may apply. New funds only. Must qualify for membership. A $2 membership fee may apply. Offer, terms and conditions are subject to change or discontinue at any time without notice. Promotional rate ends 04/16/2018. Consult your tax advisor regarding your contribution limits, deductibility and other tax consequences.

Federally insured by the National Credit Union Administration to $250,000.

Excess coverage for consumer accounts up to $200,000 by American Share Insurance.

Personal Individual Retirement Accounts See Details

Individual Retirement AccountsMinimum BalanceDividend RateAPYRate TypeCompounded/Paid
Share/Savings $50 0.30% 0.30% Variable Quarterly
12 Month $500 1.20% 1.21% Fixed Quarterly
24 Month $500 1.55% 1.56% Fixed Quarterly
36 Month $500 1.75% 1.76% Fixed Quarterly
48 Month $500 2.15% 2.17% Fixed Quarterly
60 Month $500 2.45% 2.47% Fixed Quarterly

March 15, 2018 - April 16, 2018 IRA Contribution Special!

Individual Retirement AccountsMinimum BalancePromo Dividend RatePromo APYRate TypeCompounded/Paid
12 Month $500 1.7978% 1.81% Fixed Quarterly
24 Month $500 2.1432% 2.16% Fixed Quarterly
36 Month $500 2.339% 2.36% Fixed Quarterly
48 Month $500 2.7415% 2.77% Fixed Quarterly
60 Month $500 3.0355% 3.07% Fixed Quarterly

IRA deposits are insured separately from other deposits to $250,000 by the NCUSIF and to $200,000 by ASI. That means your IRA investment is insured up to a combined total of $450,000. Minimum Balance is required to open IRA and earn dividend and APY. IRA Accounts are subject to a penalty for early withdrawal.