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To qualify for membership, you must live, work, worship, attend school in Yolo, Sacramento, Placer, or El Dorado counties.
To apply for a Home Loan, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office.
To qualify for membership, you must live, work, worship, attend school in Yolo, Sacramento, Placer, or El Dorado counties.
To apply for a Home Loan, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office.
Investment Savings Accounts
The future's looking bright!
Save smart with our Roth or Traditional IRA CDs—retirement has never felt this easy.Big dreams start with smart savings. Let’s make it happen.
Schedule Appointment
IRA & Roth Certificate
60 month term
2.80%
APY*
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CD terms from 12-60 months
Flexible savings options
Make withdrawals whenever you need to
Competitive rates
Open an account at any time
Dividends are compounded daily and paid monthly
Make withdrawals whenever you need to
Competitive rates
Open an account at any time
Dividends are compounded daily and paid monthly
Dividends are compounded daily and paid monthly
Dividends are compounded daily and paid monthly
Rates & Fees
IRA, ROTH, Coverdell ESA & SEP
IRA & ROTH CD Savings
Savings calculator
Final Balance
$0
Total Contributions
$0
Total Interest Earned
$0
Special offers and programs
Learning program
Achieve Financial Success Program
Empower your financial decisions with confidence.
Access free learning modules
Get guidance on homeownership and small business essentials
Build your financial foundation, including money management and investing
Special savings
Credit Union Direct Lending (CUDL®)
Plan for your child’s educational future with ease.
Contribute up to $2,000 per year
Anyone can deposit money to the account
Use for any qualified education expense, not just college
Have questions or ready to apply?
Schedule Appointment
What our members say:
Knowledge that gives you the power
Saving for Retirement with an IRA
Whether you like making resolutions or have a vision of what retirement looks like for you, knowing your retirement savings options will help you achieve your goals.
Traditional vs. Roth IRA
Retirement Savings Tips for 30 and 40-Somethings
IRAs 101
As you pass different mile markers in life, like changing jobs or being promoted, you’ll want to take advantage of retirement accounts that will help you achieve your retirement goals.
Saving for Retirement with an IRA
Whether you like making resolutions or have a vision of what retirement looks like for you, knowing your retirement savings options will help you achieve your goals.
Retirement Savings Tips for 30 and 40-Somethings
Traditional vs. Roth IRA
IRAs 101
As you pass different mile markers in life, like changing jobs or being promoted, you’ll want to take advantage of retirement accounts that will help you achieve your retirement goals.
Frequently asked questions
Is this account insured?
Yes. Our IRAs are insured up to $250,000 through the National Credit Union Administration.
What is the difference between a traditional IRA and a Roth IRA?
Traditional IRA contributions are tax-deductible, but you will need to pay taxes on withdrawals during retirement. Roth IRAs do not provide tax breaks for contributions, but earnings and withdrawals during retirement are generally tax-free.
What are the contribution limits?
Deposit up to $7,000 per year ($8,000 if you’re age 50 or older), or your taxable compensation for the year, if your compensation was less than this dollar limit.The contribution limit does not apply to:
Prepare for the best
Contact a branch today to open your IRA.
Schedule Appointment
Have questions? We are here to help.
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Meet Penny! Your virtual assistant, here to help you 24/7:
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Call us:
Toll Free:
(877) YOLOFCU (965-6328)Mon-Fri 10am-5pm
Sat 10am-2pm
Sat 10am-2pm
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Skip the line, schedule appointment:
Meet us at one of our branches or schedule a call
Everyone who lives, works, worships, or attends school in Yolo,
Sacramento, Placer, or El Dorado counties is eligible for membership.
Sacramento, Placer, or El Dorado counties is eligible for membership.
Everyone who lives, works, worships, or attends school in Yolo, Sacramento, Placer, or El Dorado counties is eligible for membership.
