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Individual Retirement Accounts - Plan your future with an Individual Retirement Account

Plan your future with an Individual Retirement Account

While you can't stop time, you can use it to your advantage. At University Credit Union, we offer Traditional and Roth Individual Retirement Accounts (IRAs) to help you start saving today for a brighter tomorrow.
It's never too early to secure your future. By starting your savings journey early and choosing an IRA that offers tax advantages, you'll be able to build up your bankroll and embrace any lifestyle you desire.
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Benefits of an IRA

Benefits of an IRA

Save well today, live well tomorrow. Traditional IRAs offer potential deductions on contributions while Roth IRAs offer tax-free withdrawals in the future.

 

  • Invest in a rock-solid IRA certificate with guaranteed returns
  • Enjoy potential tax deductions and grow your tax-deferred savings with a Traditional IRA
  • Withdraw tax-free after age 59 1/2 or withdraw early (before 59 ½) penalty-free in special circumstances with a Roth IRA

Save for your future

Traditional IRAs

Contribute using pre-tax funds 

UCU's Traditional IRAs let you contribute and grow wealth now using your pre-tax dollars. You'll settle your deferred taxes when you withdraw funds during retirement.
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Traditional IRAs

Roth IRAs

Contribute using post-tax funds

UCU's Roth IRAs let you contribute post-tax dollars, allowing you to make withdrawals tax-free in retirement.
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Roth IRAs

Certificates - Los Angeles, California, United States

Short and long-term savings

A certificate lets you invest the amount you want at a rate that works for you. Choose from terms of 6 to 60 months when you open a certificate from UCU today.
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Certificates 

College Savings Plans - Los Angeles, California, United States

College Savings Plans

Get a head-start on educational expenses by opening a college savings account today. Secure interest-earning funding whether it's for yourself, your child, or your grandchild's future.
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Education is the future 

Money Market Accounts - Los Angeles, California, United States

Save and earn with double the benefits

UCU Money Market accounts offer competitive interest rates on higher balances and provide easy access to your funds. Open your own Money Market Account and start saving smarter today!
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Money Market Accounts

    How to get pre-qualified and pre-approved for a mortgage

    How to get pre-qualified and pre-approved for a mortgage

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    Avoiding Online Scams in the Digital Age

    Avoiding Online Scams in the Digital Age

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    6 Steps for Smart Credit Management

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    Student Loan Debt Consolidation 101

    Student Loan Debt Consolidation 101

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    How Home Equity Lines of Credit (HELOCs) Work

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    Latest Resources

    Join UCU today 

    Join UCU today 

    Our member-owners enjoy low rates. financial and investment support, and personalized service. Join today.
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    Bank smart, save big 

    Bank smart, save big 

    UCU provides financial tools to make you the expert in budgeting, home loans, retirement, and more. 
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    Your dollars earn more at UCU

    Your dollars earn more at UCU

    At University Credit Union, we offer competitive high rates on savings accounts, including IRAs.
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    Giving our University Communities a financial advantage
    University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.

    Financial Wellness

    We're invested in your financial wellness

    UCU is deeply committed to helping you stay financially fit and make smart choices, offering personalized services and solutions to help you achieve your goals.
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    Bank smart, save big

    Use our calculators and helpful financial resource guides to discover how to pay for college, what your house hunting budget should be, or how much you'll need to save for retirement.
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    You're covered from coast to coast with 30,000 surcharge free CO-OP ATMs and 5,000+ shared branches
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