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Savings & IRA

Savings & IRA

Savings Account

The primary share (savings) account earns higher dividends than similar savings accounts offered by other financial institutions. Dividends are earned from the day of deposit to the day of withdrawal and are compounded daily and paid quarterly. Only a $50 minimum balance is required so open one today.

You can also open additional savings accounts and put money away for Christmas, vacations or that big purchase.

⇒ Open Your Account

For current members, simply fill out the Account Agreement and sign it.  You can mail it in or stop on by.

Not a member yet?  No problem, just complete the Membership Application & Account Agreement and sign it. Include a minimum $50 deposit ($50 to open your savings account – required for membership).  Also include a copy of a government issued picture ID for each signer.  Just mail it in or come on by the branch.

IRA Term Share Certificate (CD)

We offer both Traditional and Roth IRA’s (Individual Retirement Account) to help you save for the future.  Our Term Share Certificate (CD) requires only a minimum deposit of $100. 12 month, fixed term, with dividends compounded daily and paid quarterly.

Traditional IRA

  • Contributions are tax deductible on state and federal income tax*
  • Contribute up to $6,000; age 50 and older can contribute up to $6,500
  • Early withdrawals subject to penalty**
  • Withdrawals can begin at age 59½
  • Mandatory withdrawals at age 70½

Roth IRA

  • Contributions are NOT tax deductible
  • Contribute up to $6,000; age 50 and older can contribute up to $6,500
  • After 5 years, earnings are 100% tax free at withdrawal
  • Early withdrawals subject to penalty**
  • No mandatory distribution age
*Subject to some minimal conditions. Consult a tax adviser.  **90 days of interest and IRS penalties. Certain exceptions apply, such as healthcare, purchasing first home, etc.

Call 800-440-8662 for more information and to speak with a specialist.

View Rates

View Savings Calculators

Savings & IRA

Savings Account

The primary share (savings) account earns higher dividends than similar savings accounts offered by other financial institutions. Dividends are earned from the day of deposit to the day of withdrawal and are compounded daily and paid quarterly. Only a $50 minimum balance is required so open one today.

You can also open additional savings accounts and put money away for Christmas, vacations or that big purchase.

⇒ Open Your Account

For current members, simply fill out the Account Agreement and sign it.  You can mail it in or stop on by.

Not a member yet?  No problem, just complete the Membership Application & Account Agreement and sign it. Include a minimum $50 deposit ($50 to open your savings account – required for membership).  Also include a copy of a government issued picture ID for each signer.  Just mail it in or come on by the branch.

IRA Term Share Certificate (CD)

We offer both Traditional and Roth IRA’s (Individual Retirement Account) to help you save for the future.  Our Term Share Certificate (CD) requires only a minimum deposit of $100. 12 month, fixed term, with dividends compounded daily and paid quarterly.

Traditional IRA

  • Contributions are tax deductible on state and federal income tax*
  • Contribute up to $6,000; age 50 and older can contribute up to $6,500
  • Early withdrawals subject to penalty**
  • Withdrawals can begin at age 59½
  • Mandatory withdrawals at age 70½

Roth IRA

  • Contributions are NOT tax deductible
  • Contribute up to $6,000; age 50 and older can contribute up to $6,500
  • After 5 years, earnings are 100% tax free at withdrawal
  • Early withdrawals subject to penalty**
  • No mandatory distribution age
*Subject to some minimal conditions. Consult a tax adviser.  **90 days of interest and IRS penalties. Certain exceptions apply, such as healthcare, purchasing first home, etc.

Call 800-440-8662 for more information and to speak with a specialist.

View Rates

View Savings Calculators

California State & Federal Employees Credit Union

321 Wabash Ave
Eureka, CA 95501

707-443-8662
800-440-8662

NMLS #423538

CSFECU Top 200

Federally Insured by NCUA

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 1-800-440-8662 for assistance.

California State & Federal Employees Credit Union

321 Wabash Ave
Eureka, CA 95501

707-443-8662
800-440-8662

NMLS #423538

CSFECU Top 200

Federally Insured by NCUA

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 1-800-440-8662 for assistance.