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IRA Savings
IRA Savings

IRA Savings

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  • Traditional IRA - Members can contribute up to a certain amount of their earned income to their IRA each year. These contributions give you the ability to save for retirement with tax deferred earnings and the possibility of tax-deductible contributions.
  • Roth IRA - Members may make after-tax (non-deductible) contributions up to a certain amount of their earned income if their modified adjusted gross income falls within the applicable IRS limits. Eligible Roth IRA contributions have the potential to take tax-free distributions.
  • Simplified Employee Pension (SEP) - Plans give employers the opportunity to contribute the lesser of 25% of an eligible employee’s compensation up to a defined limit. Once the SEP plan contribution is made, it takes on the characteristics of a Traditional IRA.
  • Coverdell Education Savings Account (Coverdell ESA) - This account is a tax-advantaged investment account for the purpose of paying for a child's educational expenses.
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IRA Savings *APY as high as
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*APR as low as
*APY as high as

  • IRA Money Market Accounts

  • IRA Share Certificate Accounts

  • IRA Savings Accounts

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Financial Product Calculator

How much can I afford?
This calculator computes the most expensive car you can buy based on the highest monthly payment you can afford. The calculated amount includes taxes and documentation fees.
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Calculator Results

Based on the information entered, the total amount that you can afford to pay on your car, taxes, and document fees is:

*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. 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. APY=Annual Percentage Yield assumes the principal and dividends will remain on deposit until maturity. Dividend compound monthly. Withdrawals may reduce earnings. Penalties for early withdrawal on term accounts. Certificate will automatically renew on the maturity date at the nearest available standard term and dividend rate, not to exceed the term of the promotional certificate. Rates are subject to change without notice.