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Traditional IRA

Maximize your savings

Traditional IRA

Maximize your savings


  • Open a Traditional IRA Share with $25 balance to start with no fixed term
  • Deposits up to $5,500 for members for age 49 and under, and $6,500.00 for age 50 and over per year tax deferred (changes yearly)
  • Contributions and dividends are tax-deferred
  • Contributions are tax-deductible
  • No penalty from Credit Union for withdrawals (IRS mandatory withdrawal at age 70½ for traditional IRA)
  • No maintenance fee
  • Must have a balance of $100 or over to earn dividends
  • Rates vary. See rates page.


  • Open a Traditional IRA Certificate with $500 to start at a fixed term
  • Certificates will automatically roll over at maturity, with the same term and current rate unless member request different
  • Deposits up to $5,500.00 for age 49 and under, and $6,500.00 for age 50 and over per year tax-deferred
  • Contributions and dividends are tax-deferred
  • Subject to early withdrawal penalties (IRS penalties may also apply)
  • No maintenance fee
  • Rates based on Certificate term, see below.

Speak to an IRA specialist

Not sure where to start? Speak with our IRA specialist today!
Call us at 562.862.8141.
Interested in a Traditional IRA?

Simply provide your name and phone number and we’ll give you a call.

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Or call us at 562.862.8141

Traditional IRA Certificate Rates
Term Dividend Rate* APY+
12 months
18 months
24 months
36 months
48 months
60 months
Open a Traditional IRA


If you are already a DFCU member, simply call 562.862.8141 or email to open this account.


If you aren’t a DFCU member yet, visit our branch to open this account.

  • $25 Minimum to open for Share, $500 for Certificate
  • Dividends compounded daily and paid quarterly on average daily balance
  • No monthly service charges
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