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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 3/31/2025
All rates and terms subject to change without notice.
| Type | Dividend Rate | APY* |
|---|---|---|
| IRA Share ($100 minimum) | 0.200% | 0.20% |
| 12 Months ($1,000 minimum) | 3.977% | 4.05% |
| 24 Months ($1,000 minimum) | 3.494% | 3.55% |
| 36 Months ($1,000 minimum) | 3.494% | 3.55% |
| 48 Months ($1,000 minimum) | 3.494% | 3.55% |
| 60 Months ($1,000 minimum) | 3.494% | 3.55% |
*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.
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*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).