Credit Union IRAs: Individual Retirement Accounts

Secure your future with a State Department Federal Credit Union IRA designed to grow your retirement savings. Choose a Traditional or Roth IRA, or explore IRA Savings, Certificates, and Investment Services to maximize your earning potential.

Traditional IRAs

Traditional IRAs¹ are potentially tax-deferred retirement plans; you don't pay taxes on your contributions until you withdraw the funds. Contributions can be made as long as you have earned income.

Features:

Individuals may open and fund IRAs without any employer participation
Earnings potentially remain tax-deferred until distributed
Eligible individuals can make deductible contributions
Individuals may distribute IRA assets at any time
No annual contribution requirement

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Learn More About Traditional IRAs

: An Older Man Enjoying Photography | Open a State Department Federal Credit Union IRA

Roth IRA

Roth IRA tax contributions are not tax-deductible, but you can withdraw the funds tax-free when you retire. Contributions can be made after the age of 70 and a half as long as you have earned income.

Features:

Individuals may open and fund a Roth IRA without any employer participation
No age limit on making contributions
Earnings remain tax-deferred until distributed
Allows contributions to grow tax-deferred
The principal amount is never subject to future taxes or penalties as long as owners remain within the contribution guidelines
No annual contribution requirement

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Account Options

IRA Savings Account

We offer a savings rate higher than our regular savings rate for members who want to have access to their money. Choose from Traditional or Roth options.

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Federally insured by NCUA

IRA Certificates

For a predictable return on investment, we offer IRA Certificates with terms ranging from 12-60 months. Open for as little as $500 and enjoy the benefits of a Share Certificate with tax advantages. Choose from Traditional or Roth options.

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Federally insured by NCUA

Investment Services

Other non-deposit investment options²may be available to you through our investment services advisors.

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Not NCUA Insured - No Credit Union Guarantees - May Lose Value - Not a Deposit - Not Insured by any Government Agency

IRA Rates

Products	APY*
IRA Share	0.50%

Products	12 Months APY*	14 Months APY*	24 Months APY*
IRA Certificate** (Minimum Balances of $500)	3.74%	3.91%	3.65%

Products

12 Months APY*

14 Months APY*

24 Months APY*

IRA Certificate**

(Minimum Balances of $500)

3.74%

3.91%

3.65%

Products	36 Months APY*	48 Months APY*	60 Months APY*
IRA Certificate** (Minimum Balances of $500)	3.70%	3.70%	3.80%

Products

36 Months APY*

48 Months APY*

60 Months APY*

IRA Certificate**

(Minimum Balances of $500)

3.70%

3.80%

Rates effective April 1, 2026

* Annual Percentage Yield (APY). 12-month and longer Certificate dividends are compounded and credited quarterly, on the last day of the quarter and at maturity. For example, dividends for the first quarter, January 1 to March 31, will be paid on March 31. Penalties may apply for early withdrawals. Rates subject to change.

**In the case of early withdrawals of the principal amount or any portion thereof, a penalty will be imposed. Penalties are assessed at the time of withdrawal and are calculated as follows: Less than 12-month Certificates - You will forfeit the lesser of 30 days of dividends on the amount withdrawn or the amount of dividends earned since the date of issuance. 12-Month - 48-Month Certificates - You will forfeit the lesser of 180 days of dividends on the amount withdrawn or the amount of dividends earned since the date of issuance. 60-Month Certificates - You will forfeit the lesser of 360 days of dividends on the amount withdrawn or the amount of dividends earned since the date of issuance. No penalty will be imposed if the withdrawal is a result of voluntary or involuntary liquidation of the Credit Union or upon death of the member.

Disclosures

¹Features and deposits are based on your personal tax situation, contact your tax or legal professional or the IRS for specific tax information about state or local income taxes. This is intended to provide general information pertaining to Traditional and Roth IRAs. It is not meant to provide legal advice or individual tax recommendations. IRA contribution limits are determined by the IRS and apply to any financial institution. Visit our IRA Service Center to get more IRA information.

²Securities offered through Osaic Wealth Inc. a Registered Broker/Dealer, Member FINRA/SIPC. Advisory Services offered USAdvisors Wealth Management LLC, an SEC Registered Investment Adviser Firm. State Department Financial Services, State Department Federal Credit Union, USAdvisors Wealth Management LLC and Osaic Wealth Inc. are not affiliated.

Not NCUA Insured - No Credit Union Guarantees - May Lose Value - Not a Deposit - Not Insured by any Government Agency

Credit Union IRAs: Individual Retirement Accounts

Traditional IRAs

Roth IRA