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Individual Retirement Accounts

IRAs

Individual Retirement Account savings or certificates earn a higher rate of interest. Choose Traditional or Roth IRA for tax deferred or tax free earnings and save towards retirement without risking the principal balance. Use IRAs to start building your nest egg, diversify your existing IRA investments, ladder maturities with certificates, or rollover a current IRA.

the details:

  • Traditional or Roth IRA
  • $5 minimum to open IRA Savings
  • Establish recurring deposits to IRA Savings
  • $1,000 minimum to open IRA Certificates
  • Higher rates on IRA Savings and IRA Certificates
  • IRA Contribution Limits
  • Dividends paid monthly
  • Early withdrawal penalties apply to IRA Certificates
  • No setup or transfer fees
  • No monthly or annual administration fee
  • Mobile and Online access
  • eStatements

Individual Retirement Accounts carry additional Federal insurance by the National Credit Union Administration.

Setup is a snap – Request a IRA Contribution form, visit our branch, call 800.986.3669 or email connect@srifcu.org!

IRA Certificate Rates

IRA Certificate RatesAPYAPYE
1 Year4.75%4.86%
2 Year4.00%4.08%
3 Year3.85%3.92%
4 Year3.75%3.82%
5 Year3.65%
3.72%
Rates effective as of 03-01-2024
APY Annual Percentage Yield
APYE Annual Percentage Yield Earned
Annual IRA Plan contribution limits:
2023 = $6,500 (or $7,500 if age 50 or older)
2024 = $7,000 (or $8,000 if age 50 or older)

IRA Savings Rates

IRA Savings RatesAPYAPYE
2.00%2.02%
Rates effective as of 03-01-2024
APY Annual Percentage Yield
APYE Annual Percentage Yield Earned
Annual IRA Plan contribution limits:
2023 = $6,500 (or $7,500 if age 50 or older)
2024 = $7,000 (or $8,000 if age 50 or older)

Contact Us

Call: 650.800.5434
Fax: 650.326.8916
333 Ravenswood Ave
Menlo Park, CA 94025-3493

Mailing Address:
P.O. Box 2284
Menlo Park, CA 94026-2284

Routing Number: 321173328

All deposits are insured by the NCUA to at least $250,000.

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