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A Simplified Employee Pension (SEP) plan is for those who are self-employed, and wish to make larger contributions than Traditional or Roth IRAs limitations will allow.


  • Open a SEP IRA Share with $25 balance to start with no fixed term
  • Contributions and dividends are tax-deferred
  • Contributions subject to income limitations
  • No penalty from Credit Union for withdrawals (IRS penalties may still apply)
  • No maintenance fee
  • Rates vary. See rates page


  • Open a SEP 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 subject to income limitations
  • Subject to early withdrawal penalties (IRS penalties may also apply)
  • No maintenance fees
  • Rates based on Certificate term, see below.
Interested in SEP IRA?

Simply provide your name and phone number and we’ll give you a call.

Call Request Form - Mobile

Or call us at 562.862.8141

SEP IRA Certificate Rates
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
  • $25 Minimum to open for Share, $500 for Certificate
  • Dividends are compounded and paid quarterly
  • No monthly service charges

+APY as of 07/20/24