Individual Retirement Accounts (IRA)
If you are looking to save long-term for retirement, an IRA could be right for you! IRAs are available to individuals with earned income. They have certain tax advantages and IRS stipulations to support long-term saving. Tech CU offers accounts
for Traditional or Roth IRAs.*
Learn more About IRAs
IRA Savings
With Tech CU IRA Savings Accounts you can deposit up to the annual contribution limit and earn high dividends.
- $25 initial deposit
- $0.01 minimum balance requirement
- No annual maintenance fees
- Dividends calculated daily and paid quarterly
See IRA Savings Rates
IRA Certificates
Tech CU offers two kinds of IRA Certificates - regular and jumbo - depending on how much you want to invest. Both options are available in Traditional and Roth.
Visit Retirement Central for:
- Additional Information on IRA products & services.
- Articles on retirement planning and life changes.
- Online help with completing forms for new and existing IRAs.
- Retirement planning tools and calculators.
See IRA Certifiate Rates
To open an IRA Savings or Certificate account visit one of our branches or reach out to a Tech CU Virtual Banker.
Make an Appointment Visit Retirement Central
You must be a member of Tech CU to open an IRA. If you are not yet a member, Join Now!
IRA Contribution Limits
| Contribution Type1 |
20242 |
20253 |
| Annual Contribution |
$7,000 |
$7,000 |
| Catch-Up |
$1,000 |
$1,000 |
|
1 Contribution amounts may be split between Traditional and Roth IRAs but cannot exceed the maximum annual contribution limit.
2 Last day to contribute to a 2024 calendar year IRA is April 15, 2025.
3 Last day to contribute
to a 2025 calendar year IRA is April 15, 2026.
|
Questions? Make an appointment with a Tech CU banker or call us at (800) 553-0880 or (408) 451-9111.
Make an Appointment
If you are looking for other options beyond IRAs as you plan for your future, contact Tech Investment Management to speak with a financial advisor today.
Speak with a Financial Advisor