Saving for retirement?

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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

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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.