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Routing Number: 291880411

Careers Contact Us   1-800-341-9911

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Fixed IRAs
(Invest $1,000 or More)

1 Year Term
DR:1.05% | APY:1.06%

18 Month Term
DR:1.15% | APY:1.16%

30 Month Term
DR:1.50% | APY:1.51%

4 Year Term
DR:1.75% | APY:1.76%

6 Year Term
DR:1.75% | APY:1.76%

Easy Save IRAs (No RCU Penalty on Withdrawals)

Invest $5 - $2,499.99
DR:0.53% | APY:0.53%

Invest $2,500 or More
DR:0.58% | APY:0.58%

Variable Rate IRA
(Invest $5 or More)

2 Year Term
(Rate Changes Monthly)
DR:0.75% | APY:0.75%

DR= Dividend Rate
APY= Annual Percentage Yield

Rates current as of 2016-02-11. Last changed on 2015-12-18.
Rates are subject to change at any time without notice. Substantial penalty for early withdrawal.


You're never too young or too old to start an IRA. There are a variety of investments and rates available so you can find the one that's right for you.

Use the Retirement Planning Calculator.
Use the Social Security Calculator.
Use the Savings Goal Calculator.

Traditional IRA

Eligibility—Anyone under age 70 1/2 who has earned income

Annual Contribution—Total of all IRA contributions cannot exceed $5,500 or 100% of earned income, whichever is less for any tax year. If you are over 50 years old, your annual contributions cannot exceed $6,500.

Tax Benefits—Certain contributions are tax deductible. Interest is tax deferred.

Withdrawals—(IRS Penalty Free Options):

  • For qualified educational expenses
  • For first-time home purchase
  • At or after age 59 1/2
  • If you become disabled
  • For qualified medical expenses
  • For payment of health insurance premiums while unemployed
  • Upon your death

Roth IRA

Eligibility— No maximum age, anyone who has earned income and does not exceed the Maximum income limit is eligible.

If your MAGI (Modified Adjusted Gross Income) falls within the phase out range below you will need to calculate how much, if any, you can contribute to a ROTH IRA. Phase out range for contributions are:

  • Single: $112,000 - $127,000
  • Married (filing joint): $178,000 - $188,000
  • Married (filing separate tax return): $0 - $10,000

Contribution Limits —Total of all IRA contributions (Traditional and Roth combined) cannot exceed $5,500 or 100% of earned income, whichever is less for any tax year. If you are over 50 years old, your annual contributions cannot exceed $6,500.

Tax Benefits— Account grows tax deferred, and with Qualified distributions, tax free.

Withdrawals—Withdrawals of contributory principal are always tax-free and IRS penalty free at any age. Interest distributions are tax-free for qualified withdrawals. Required Minimum Distributions (RMD) are NOT required on Roth IRA's at age 70.5.

Investments & Savings


Individual Retirement Accounts (IRA)

Money Market Accounts

RCU Investment & Insurance Team


Savings Accounts

Health Savings Accounts (HSA)

Kid's Club

RCU School $ense

US Savings Bonds

Tax Information


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Account Disclosures

View disclosures (including Truth in Savings Disclosure).

View special service fees.

For More Information

Call 1-800-341-9911

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For complete information regarding mutual funds and other variable accounts for your IRA needs:

Contact RCU Investment & Insurance Services