Secure Your Future with a IRA Savings Account

Earn Up to 4.33% APY* - 36 Months

Start planning for retirement with as little as $1.00! Our Market Rate IRA offers a competitive interest rate that compounds monthly, giving you the flexibility to grow your savings steadily over time.

Like a liquid savings account, this IRA allows you to make deposits and withdrawals at your convenience while adhering to federal restrictions. Open an account and we'll get you started!

It's the perfect choice for savers who value flexibility and easy access to their funds.

IRA Rates and Retirement Calculator

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Open Your IRA Account Online – Quick & Easy!

Opening a Roth or Traditional IRA has never been easier. Our seamless online application makes it easy. First, open a Cabrillo account here in just a few clicks. Once that’s complete, reach out to our team during chat hours, and we’ll guide you through the next steps to open your Roth or Traditional IRA with ease.

Compare Roth and Traditional IRAs

Roth VS. Traditional

Feature	Roth IRA	Traditional IRA
Tax Credit Eligibility	Up to $1,000 when you make a contribution	Up to $1,000 when you make a contribution
Withdrawal Flexibility	Contributions can be withdrawn anytime, tax and penalty free*. *Federal Restrictions apply.	Penalty on early withdrawals (you will owe taxes if contributions were tax-deductible)
Earnings Tax	Tax-deferred earnings and a possible tax deduction.	Earnings are tax-deferred; you do not pay tax on earnings until you withdraw them
Withdrawal of Earnings	Can withdraw earnings tax-free if you satisfy the qualified distribution requirements	Earnings are tax-deferred; you do not pay tax on earnings until you withdraw them
Age Restrictions	You must be 59 ½ and have held your Roth IRA for at least five years before you withdraw investment earnings tax-free and penalty-free*. *Federal Restrictions apply.	Penalties for withdrawals before age 59½, mandatory distributions by age 72*. *Federal Restrictions apply.

Download IRA overview PDF

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Investment Rate IRA: Earnings with Fixed Rates

For those looking to boost their retirement savings, the Investment Rate IRA is an excellent choice. With terms ranging from 3 months to 5 years and a minimum deposit of $2,000, this fixed rate share certificate IRA locks in a higher rate of return, ensuring that your investments grow predictably during the term.

Choose this option to secure a stable, higher yield on your retirement funds.

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IRA Savings Account Rates:

IRA Certificates ($2,000 - $9,999)

Term	Rate	APY*
3 months	0.35%	0.35%
6 months	3.50%	3.55%
12 months	3.75%	3.81%
18 months	3.90%	3.96%
24 months	1.00%	1.00%
36 months	3.75%	3.82%
48 months	0.85%	0.85%
60 months	0.95%	0.95%

IRA Certificates ($10,000 - $49,999)

Term	Rate	APY*
3 months	0.40%	0.40%
6 months	3.65%	3.71%
12 months	3.85%	3.91%
18 months	4.00%	4.07%
24 months	1.25%	1.26%
36 months	4.00%	4.07%
48 months	0.90%	0.90%
60 months	1.00%	1.00%

IRA Certificates ($50,000+)

Term	Rate	APY*
3 months	0.45%	0.45%
6 months	3.75%	3.81%
12 months	4.00%	4.07%
18 months	4.15%	4.22%
24 months	1.50%	1.51%
36 months	4.25%	4.33%
48 months	0.95%	0.95%
60 months	1.10%	1.11%

Open an Account Today!

* APY is an abbreviation for Annual Percentage Yield.

IRA Certificates Dividends are Paid Monthly and at Maturity.

Penalties for early Withdrawal are as stated in the Account and Disclosure Agreement. The APY disclosed assumes dividends will remain on deposit until maturity. Withdrawals will reduce earnings. Rates subject to change daily.

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Why Choose Cabrillo Credit Union for Your IRA?

• Security and Growth: Both our IRA options are designed to offer security for your funds while providing ample growth opportunities through competitive interest rates.
• Flexibility and Control: With our Market Rate IRA, enjoy the liquidity similar to a savings account with the benefit of competitive compounding interest rates.
• Guaranteed Returns: Lock in your rate with the Investment Rate IRA and enjoy guaranteed returns without the worry of fluctuating markets.

Other IRA Resources and Information:

• General information and answers to your questions about Roth IRAs.
• General information and answers to your questions about Traditional IRAs.
• A comparison on the differences between Roth and Traditional IRAs.

Ready to start saving for retirement? Apply Now for your Cabrillo Credit Union IRA and take the first step towards a secure financial future.