Pixel for iHeart Radio
Apply Now


Investment accounts with financial advantages for your future.


IRAs are investment accounts with tax benefits designed to reward you for building your retirement savings.

Download the UCCU Mobile App

Individual Retirement Accounts

All IRAs – or Individual Retirement Accounts – come with specific rules for income limits, withdrawls, transferring funds, and investment earnings.

Just choose the IRA that’s right for you.

Today’s Rates

Please note that rates and fees are subject to change without notice.

Click for truth-in-savings for savings certificates.

Which IRA is Right For You?


Taxed when you withdraw

With a Traditional IRA, you can deduct – and defer – the amount of your contributions on your tax return. This tax-deferment means you won’t owe income taxes until after you withdraw your money from your IRA account – helping you to save more money, right now.


Taxed when you contribute

With a Roth IRA, your contributions are not tax-deductible, and that provides a big advantage. By paying taxes now, the contributions you make to your ROTH IRA will grow tax-free – including the investment gains in your account. You can also withdraw money you’ve contributed to a Roth IRA, at any time, without penalty

We’re here to help

Call or Text

(801) 223-8188
Mon – Fri: 8:00 am – 6:00 pm
Sat: 9:00 am – 2:00 pm

Submit a Question to our Support Team

or send us a message from inside online banking.

Stop by a Branch

Find a Location