Share

• Open a Traditional IRA Share with $25 balance to start with no fixed term
• Deposits up to $5,500 for members for age 49 and under, and $6,500.00 for age 50 and over per year tax deferred (changes yearly)
• Contributions and dividends are tax-deferred
• Contributions are tax-deductible
• No penalty from Credit Union for withdrawals (IRS mandatory withdrawal at age 70½ for traditional IRA)
• No maintenance fee
• Must have a balance of $100 or over to earn dividends
• Rates vary. See rates page.

Certificate

• Open a Traditional IRA Certificate with $500 to start at a fixed term
• Certificates will automatically roll over at maturity, with the same term and current rate unless member request different
• Deposits up to $5,500.00 for age 49 and under, and $6,500.00 for age 50 and over per year tax-deferred
• Contributions and dividends are tax-deferred
• Subject to early withdrawal penalties (IRS penalties may also apply)
• No maintenance fee
• Rates based on Certificate term, see below.

Speak to an IRA specialist

Not sure where to start? Speak with our IRA specialist today!
Call us at 562.862.8141.

Term	Dividend Rate*	APY+
12 months	View rates	View rates
18 months	View rates	View rates
24 months	View rates	View rates
36 months	View rates	View rates
48 months	View rates	View rates
60 months	View rates	View rates

Members

If you are already a DFCU member, simply call 562.862.8141 or email feedback@downeyfcu.org to open this account.

Non-Members

If you aren’t a DFCU member yet, visit our branch to open this account.