Your browser does not support JavaScript. To view rates, see our rate sheet.
Online Banking Login
Login Form - Mobile


Register
Forgot username or password

Roth IRA

Grow your nest egg

Roth IRA

Grow your nest egg

Share

  • Open a Roth IRA Share with $25 balance to start with no fixed term
  • Deposit up to $5,500.00 for age 49 and under, and $6,500.00 for age 50 and over per year, subject to income limitations
  • Contributions are post-tax, dividends are tax-deferred
  • No penalty from Credit Union for withdrawals, possible IRS penalties may apply
  • Deposits are taxed prior to contribution
  • Must have a balance of $100 or over to earn dividends
  • No maintenance fees
  • Rates vary. See rates page.

Certificate

  • Open a Roth 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
  • Deposit up to $5,500.00 for age 49 and under, and $6,500.00 for age 50 and over per year, subject to income limitations
  • Subject to early withdrawal penalties (IRS penalties may also apply)
  • Deposits are taxed prior to contribution
  • No maintenance fees
  • 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 Roth IRA?

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

Call Request Form - Mobile

Or call us at 562.862.8141


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

Members

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

Non-Members

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