Maximize your retirement savings with a Traditional or Roth account. As your credit union, you can trust us to protect your money and help you achieve your goals. First Tech IRAs offer:

  • Accounts with flexible terms
  • Competitive savings and certificate rates
  • No set-up or monthly maintenance fees
IRA Savings Rates | IRA Certificate Rates

Learn more about IRA Savings and Certificates.

Comparison At-A-Glance

Traditional IRA

Roth IRA

Maximum Annual Contribution1 $5,500 (if under age 50)
$6,500 (age 50 and over)
$5,500 (if under age 50)
$6,500 (age 50 and over)
Tax Benefits2 Tax-deferred growth
Contributions may be tax-deductible
Tax-free growth
Tax-free qualified withdrawals
Earnings Grows tax-deferred until withdrawn Grows tax-free
Taxes Upon Withdrawal Qualified withdrawals are taxed as income3 None for qualified withdrawals4
Withdrawals Must Begin at Age 70.5 None
Fees No set-up or monthly maintenance fees No set-up or monthly maintenance fees

We recommend you consult a professional tax advisor to help determine the proper IRA for your financial goals.

1The maximum can be contributed to one or the other or split between both a Traditional and Roth account.

2Please consult your professional tax advisor.

3Withdrawals are subject to income taxes and, if withdrawn prior to age 59½, may also be subject to a 10% federal penalty.

4Unless certain criteria are met, Roth IRA owners must be 59½ or older and have held the IRA for five years before tax-free withdrawals are permitted.

For all certificate accounts, if you withdraw any portion of your principal before maturity, you may be charged a penalty of up to six month's dividends; however, there is no risk of loss to your principal. Required minimum distributions must begin at age 70 1/2 for Traditional IRAs. Required minimum distributions are not subject to early withdrawal penalties.

*Registered branch address: 1011 Sunset Blvd. Rocklin, CA 95765 855.744.8585

Financial Advisors offer securities through Raymond James Financial Services, Inc. Member FINRA/SIPC and securities are not insured by credit union insurance, the NCUA or any other government agency, are not deposits or obligations of the credit union, are not guaranteed by the credit union, and are subject to risks, including the possible loss of principal. Raymond James is not affiliated with First Tech Federal Credit Union or Addison Avenue Investment Services.