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IRA & MONEY MARKET ACCOUNTS

No matter what stage you’re at in life, saving now with an IRA can better prepare you financially for your future. Whether you are just beginning your career or business, planning for your family, or approaching retirement, it’s never too late to start saving.

TRADITIONAL IRA

Save money now by saving money for later?
If eligible, saving money for your future by making a Traditional IRA contribution may save you money on your taxes* now. Unless you (or your spouse) actively participate in an employer-sponsored retirement plan, contributions to a Traditional IRA are fully deductible. If you (or your spouse) are an active participant, you still may be able to deduct all or part of the contribution, depending on your modified adjusted gross income.
View TRADITIONAL IRA Rates

ROTH IRA

The potential for tax-free* income during retirement is just one of the many reasons to open a Roth IRA.
If you’re eligible to make Roth IRA contributions, then withdraw from your Roth IRA as much as the total amount you’ve contributed-without paying taxes. Because the money you put into a Roth IRA are not deductible, when you take it our later, it is not subject to income tax – or IRS penalty tax. If certain conditions are met, you can take out the earnings in your Roth IRA tax free.
View ROTH IRA Rates

EDUCATIONAL SAVINGS ACCOUNTS

An Educational Savings Account (ESA) or COVERDELL is a great way to set aside money for a child’s education – tax deferred. Use an ESA to make annual non-deductible contributions on behalf of a child until the child reaches age 18**.
Visit a Branch to Discuss ESAs

SIMPLIFIED EMPLOYEE PENSION (SEP)

Thinking of establishing a retirement plan for your business but overwhelmed by the complexity of most retirement plans? Consider a simplified employee pension (SEP) plan. A SEP IRA is set up by the business owner and contributions are made by the business owner for themselves or their employees.
Visit a Branch to Discuss SEPs

MONEY MARKET ACCOUNTS

Money Market Accounts that fit YOUR needs! Our Investor Money Market and Flexible Money Market accounts offer comprehensive interest rates, tiered balance options, availability and NO risk.
View MONEY MARKET Rates
*Sierra Central Credit Union IS NOT providing tax advice on this page for Traditional or Roth IRAs. You should always consult a qualified tax professional for tax advice regarding your specific situation.
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**The earnings generated will remain tax deferred while in the ESA. When the child uses money in the ESA to pay for qualified education expenses, the contributions and the earnings come out tax free. Qualified education expenses include tuition and fees, books, supplies and equipment, room and board, and special needs services.

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is Northern California's premier
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1351 Harter Pkwy
Yuba City, CA 95993
Routing # 321174770
1-800-222-7228

Consumer Fee Schedule | Business Fee Schedule | Privacy Policy | CCPA
APR = Annual Percentage Rate may vary depending on loan details such as amount financed, term, credit history and loan fees. Rates are subject to change without notice.

LTV = Loan to value.
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All loans subject to credit approval and some restrictions may apply. 

Payment example Auto Loan: Estimated APR of 6.49% on a loan amount of $35,000, for 60 months= Payments as low as $684.65per month. Lower rate options may be available based on a lower loan-to-value percentage, credit tier, or length of membership.   

Payment example Signature Loan: Estimated APR of 9.74% on a loan amount of $25,000, for 60 months= Payments as low as $527.98 per month.
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Consumer Fee Schedule
Insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Sierra Central Credit Union does not discriminate against credit applicants on the basis of race, color, religion, national origin, sex (which includes gender identity and sexual orientation), marital status or age (provided the applicant has the capacity to enter into a binding contract).
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