Individual Retirement
Accounts (IRAs)
Get a higher dividend rate than you would with a traditional savings account, plus easy access to your money. All without being locked into a term. A pretty perfect way to save.

Secure your future

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.

Benefits of IRA:

  • 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

Today's Rate - Valid 10/22/2020
60-Month IRA Certificate
0.65%
APY1

Your Money is Safe and Federally Insured2

National Credit Union Insurance Fund

Your deposits are insured by the National Credit Union Share Insurance Fund (NCUSIF), which is managed by the National Credit Union Administration, an independent agency of the United States Government. Your deposits are insured up to $250,000 per individual account and up to $250,000 for Individual Retirement Accounts.

American Share Insurance

Members of America’s Christian Credit Union with qualifying personal accounts exceeding the maximum level of coverage provided by the NCUA are also insured up to an additional $200,000 by ASI for a total of $450,000 of coverage. And, qualifying business/church accounts exceeding the maximum level of NCUA coverage are also insured up to an additional $100,000 by ASI for a total of $350,000 of coverage. ASI’s additional insurance coverage at America’s Christian Credit Union only applies to qualifying personal checking, savings, TSC and IRA accounts and to qualifying business/church accounts.

Traditional vs. Roth IRA
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 the time of retirement.
  • No income limits to open
  • Contributions are tax-deductible on state and federal income tax
    Subject to some minimal conditions. Consult a tax advisor.
  • Earnings are tax-deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 59 1/2
  • Early withdrawals subject to penalty
    Certain exceptions apply, such as healthcare, purchasing first home, etc.
  • Mandatory withdrawals at age 70 1/2
  • Contributions are NOT tax-deductible
  • Earnings are 100% tax-free at withdrawal
  • Principal contributions can be withdrawn without penalty
    Subject to some minimal conditions. Consult a tax advisor.
  • Withdrawals on interest can begin at age 59 1/2
  • Early withdrawals on interest subject to penalty
    Certain exceptions apply, such as healthcare, purchasing a first home, etc.
  • No mandatory distribution age
  • No income limits to open
  • Contributions are tax-deductible on state and federal income tax
    Subject to some minimal conditions. Consult a tax advisor.
  • Earnings are tax-deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 59 1/2
  • Early withdrawals subject to penalty
    Certain exceptions apply, such as healthcare, purchasing first home, etc.
  • Mandatory withdrawals at age 70 1/2
  • Contributions are NOT tax-deductible
  • Earnings are 100% tax-free at withdrawal
  • Principal contributions can be withdrawn without penalty
    Subject to some minimal conditions. Consult a tax advisor.
  • Withdrawals on interest can begin at age 59 1/2
  • Early withdrawals on interest subject to penalty
    Certain exceptions apply, such as healthcare, purchasing a first home, etc.
  • No mandatory distribution age
Get Started

New Members opening a new IRA:

  1. Complete the IRA New Account Agreement
  2. Complete the simplifier form for either a Roth IRA or Traditional IRA
  3. Complete IRA Direct Transfer form to transfer your existing IRA to ACCU (optional)
  4. Submit your completed forms with original signatures by mail, fax, or email:
    • Mail: 2100 E. Route 66, Suite 100 Glendora, CA 91740
    • Fax: (626) 208-5563
    • Email: info@americasccu.com

Existing Members opening a new IRA:

  1. Complete the IRA New Account Agreement
  2. Complete the simplifier form for either a Roth IRA or Traditional IRA
  3. Complete IRA Direct Transfer form to transfer your existing IRA to ACCU (optional)
  4. Submit your completed forms with original signatures by mail, fax, or email:
    • Mail: 2100 E. Route 66, Suite 100 Glendora, CA 91740
    • Fax: (626) 208-5563
    • Email: info@americasccu.com

Existing Members making a contribution to an existing ACCU IRA:

  1. Complete the contribution form for either a Roth IRA or Traditional IRA
  2. Complete IRA Direct Transfer form to transfer your existing IRA to ACCU (optional)
  3. Submit your completed forms with original signatures by mail, fax, or email:
    • Mail: 2100 E. Route 66, Suite 100 Glendora, CA 91740
    • Fax: (626) 208-5563
    • Email: info@americasccu.com
  4. Our dedicated IRA representatives are ready to assist you at 1-800-343-6328 or info@americasccu.com

1 – APY = Annual Percentage Yield.

2 – 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 dividends and APY. IRA Accounts are subject to a penalty for early withdrawal.