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A Simplified Employee Pension (SEP) plan is for those who are self-employed, and wish to make larger contributions than Traditional or Roth IRAs limitations will allow.


  • Open a SEP IRA Share with $25 balance to start with no fixed term
  • Contributions and dividends are tax-deferred
  • Contributions subject to income limitations
  • No penalty from Credit Union for withdrawals (IRS penalties may still apply)
  • No maintenance fee
  • Rates vary. See rates page


  • Open a SEP 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 subject to income limitations
  • Subject to early withdrawal penalties (IRS penalties may also apply)
  • No maintenance fees
  • Rates based on Certificate term, see below.
Interested in SEP 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

SEP IRA Certificate Rates
Term Dividend Rate* APY+
12 months
18 months
24 months
36 months
48 months
60 months
  • $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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