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Individual Retirement Accounts (IRAs)

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Good things come to those who plan ahead

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Tax-advantaged retirement accounts

Opening an IRA is one of the best ways to save for retirement. We offer both Traditional and Roth IRAs, so you can choose whether to defer taxes on your savings now or in your retirement. Either way, we think you’ll love watching your money grow.

Life is a journey—let us come along

At CDFCU, we want to be a part of your life journey. Whether it’s buying your first home or planning your eventual retirement, we offer reasonably priced loans and savings-friendly accounts to help you out.

  1. Competitive dividends above standard savings rates
  2. We offer both Roth and Traditional IRAs
  3. IRA Share Certificates are also available


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  • Yes. For the Roth and Traditional IRAs, there is a minimum of just $5 to open an account. For an IRA Share Certificate, you will need to deposit at least $500.

  • There is a low $20 maintenane fee and a one-time $10 setup fee.

  • As of 2017, there is a $5,500 contribution limit per year. If you are over 50, you can also make an additional $1000 “catch-up” contribution each year.

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