Individual Retirement Accounts (IRAs)

A comfortable retirement starts with some smart planning.

See Rates: Individual Retirement Accounts (IRAs) Request an Appointment: Individual Retirement Accounts (IRAs)

Build a financial foundation for tomorrow and beyond.

We have the tools you need to create your plan.

The best way to prepare for retirement is to start saving as early as possible.

At Ventura County Credit Union, we offer a variety of Individual Retirement Accounts* to finance your golden years.

  • Traditional IRA: Invest up to the annual IRS contribution limit. Your interest and dividends grow tax-free. Qualify for potential tax breaks in years when you make contributions.
  • Roth IRA: Invest up to the annual IRS contribution limit. Your interest and dividends grow tax-free. Contributions are not tax deductible, but all qualified withdrawals are tax-free.
  • Rollover IRA: If you leave an employer and need a place for your 401(k) or other qualified retirement funds, you can move it directly into a Rollover IRA without any tax penalties.
  • SEP: Simplified Employment Pension Plans are often used by small business owners to make contributions to their employees' IRAs. They're also great for self-employed individuals.
  • Coverdell Education Savings Account: Also known as an Education IRA. Contributions of up to the annual IRA contribution limit can be made for a child under age 18. Make withdrawals for qualified primary, secondary, and higher education expenses.

Consult with a professional for specific tax and retirement advice.

*A small annual trustee fee will apply. 

VCCU is a full-service, Southern California credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark. If you live, work or attend school in Ventura or Santa Barbara Counties, you are eligible to join



I became a member right as I turned 18 years old. It was a family tradition to open up an account at VCCU and one tradition I am happy to pass down.

Jasmine R., Oxnard