Individual Retirement Account (IRA)

The Credit Union offers three types of tax-deferred IRA Savings Accounts.

We Offer the Following IRA Options:

  • A Variable Rate Traditional, Roth, Coverdell ESA, or SEP Savings IRA* with no minimum balance and no minimum term.
  • A Traditional, Roth, Coverdell ESA, or SEP IRA Term Share Certificate with a minimum balance of $1,000 for terms of 90 days, 6,12, 24,36, or 60 months. Early withdrawal penalties and federal and state tax penalties may apply.
  • A Traditional, Roth, Coverdell ESA, or SEP IRA Money Market with no minimum balance and an opening deposit of $10,000. No minimum term, tiered yields for higher balances, no monthly fees, and no penalties for early withdrawal**.
  • A Traditional, Roth, Coverdell ESA, or SEP 12 Month Growth IRA Certificate with a minimum opening balance of $200 for a 12 month term. Additional deposits can be made throughout the term at a minimum of $25 per deposit.

Havasu Community Credit Union offers ROTH, Traditional, SEP and Education IRAs. Each offers a unique set of tax advantage savings benefits. Plus, your IRA accounts are federally insured to a combined total of $250,000 by the NCUA, a U.S. government agency. Interest rate may vary after the account is opened. Fees may reduce earnings. IRS penalty may apply for early withdrawal. See IRA disclosure statement for additional information.

*SEP Savings IRA (Simplified Employer Pension Plans) are retirement plans that are ideal for small business owners and self employed individuals. A SEP IRA allows individuals to make contributions of up to $42,000 for 2005 ($44,000 for 2006) into their own and their employees' retirement accounts.

See our Rates for more information or open an IRA account today!

**For IRA Accounts this presupposes that the age-eligibility requirements for distributions have been met.


Important information about procedures for opening a new account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens and account.

What this means to you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license and other identifying documentation.



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Disclaimer: Havasu Community Credit Union (a division of L.A. Financial Federal Credit Union) is not responsible for the privacy practices or the content of web sites which we may provide a link to. While all efforts are made to maintain the accuracy of information presented on the Havasu Community Credit Union (a division of L.A. Financial Federal Credit Union) web site, we cannot guarantee that all information is current. Please contact the Credit Union call center directly for the most current information at 626.792.7441 or Toll-Free 800.894.1200.