Saving for retirement?
Tell us more about you and we'll recommend the best solution for you.
Traditional IRA
Enjoy tax-advantaged earnings1.
All IRAs have these benefits:
- Withdrawals that are penalty-free once IRA owner reaches 59 1/2
- Possible tax deduction, based on income and retirement plan participation
Deposit products held in your IRA offer:
- Guaranteed return on principal with automatic renewal at maturity
- Share Certificate account option with competitive rates and terms from 3-60 months
- Money Market Select Account options with competitive tiered rates and no minimum
- Minimum IRA Certificate opening deposit of $500
- Withdrawals are penalty-free once IRA owner reaches age 59 1/2
- Federally insured up to $250,000
- Learn more about IRA contributions
- Check today's rates
Roth IRA
Secure earnings with tax-free growth and withdrawals.1
All Roth IRAs have these benefits:
- Funded with after-tax dollars
- Withdrawals are tax-free1
Deposit products held in your IRA offer:
- Guaranteed return on principal with automatic renewal at maturity
- Share Certificate account option with competitive rates and terms from 3-60 months
- Money Market Select Account option with competitive tiered rates
- Minimum IRA Certificate opening deposit is $500; no minimum deposit for money market
- Federally insured up to $250,000
- Learn more about IRA contributions and limits
- Check today's rates
Coverdell Education Savings Account (ESA)
Tax-deferred savings for all things education.
- Savings for elementary, secondary, and higher-education expenses
- Share Certificate account option offers competitive rates with terms from 3-60 months
- Money Market Select Account option offers competitive tiered rates
- All interest earnings and education expense-related withdrawals are tax-free
- Annual contribution limit is $2,000 per designated beneficiary
- $2 monthly fee
- Free for Patelco Commitment Household Members
- Learn more about ESA contributions
- Check today's rates
Take the next step
1. Consult tax advisor about IRA tax advantages.
2. A distribution from a Roth IRA is tax-free and penalty-free provided that the five-year aging requirement has been satisfied and one of the following conditions is met: age 59½, death, disability, qualified first time home purchase.