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We will be performing Online Banking maintenance on Saturday, September 23 and Sunday, September 24. Maintenance will begin each night at 9:00 p.m. PST and end by 1:00 a.m. PST the following morning. During the maintenance windows, you may experience brief interruptions in service. 
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IRAs

Traditional IRA

At SFPCU, we pride ourselves on providing financial guidance and valuable products for today and the future. As you create your retirement plan, consider an SFPCU Traditional IRA as your sole source of retirement income or a supplemental income stream so you can live comfortably and experience the joys of retirement.

Traditional IRAs offer several tax benefits, such as tax-deferred earnings. Please consult your tax adviser to determine the best retirement options for you and your specific situation.

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Features & Benefits

  • Earnings grow tax-deferred, and you won’t owe income taxes until you make withdrawals
  • Contributions may be tax-deductible (please read Eligibility Requirements below)
  • IRS penalty-free withdrawals are allowed prior to age 59 ½ (up to a lifetime limit of $10,000) when funds are used for qualifying expenses such as a first-time home purchase, higher education expenses, medical expenses, disability, IRS levy, divorce or death
  • Read more about SFPCU’s Traditional IRAs

Eligibility Requirements

To make tax-deductible contributions to a Traditional IRA, you must be younger than 70 ½ years while receiving compensation, generally considered income earned from working. Then you’re automatically eligible if neither you nor your spouse is covered by an employer-sponsored retirement plan, regardless of your income level. Please note, consult with your tax adviser to discuss your individual situation.

Invest in your future with a Traditional IRA by calling us at 800.222.1391 or visiting one of our convenient branches.


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  • NMLS ID# 409710

APR = "Annual Percentage Rate". Actual APR is based on your credit profile and may be higher than the lowest rate available. Posted rates may include promotional discounts and other terms and conditions. APY = "Annual Percentage Yield". Rates are subject to change without notice.

SFPCU proudly provides banking and loan solutions including checking accounts, credit cards, auto loans and more for police, firefighters, EMTs and other first responders and law enforcement and their families in the Bay Area and beyond. Visit us at one of our branches in San Francisco, Pleasanton, San Mateo or Oakland, CA or check if you are eligible for membership and apply online today.

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