Individual Retirement Account (IRA)

Build your financial future

Choose Traditional or Roth IRAs, or IRA Money Market Account

APY bonus with Member Benefits3

Invest in your future

Each of LAPFCU's IRA share certificates1 helps you save for what matters with a tax-advantage. An IRA share certificate enables you to reduce your current tax burden by not paying any tax money on your deposits until after you retire.

Restrictions may apply, so always be sure to consult your certified tax professional for complete details.

  • $500 minimum deposit to open account
  • Contribute up to $7,000 per year ($8,000 if over age 50)2
  • Terms from six months to five years
  • APY3 bonus with Member Benefits
  • Traditional IRAs allow you to earn interest on pre-tax dollars
  • All IRAs offer penalty-free withdrawal after age 59 ½
  • You must be at least 18 years old to open an IRA with LAPFCU

Important Forms

IRA Money Market
Earn as much as
0.90% *
Regular IRA Term Certificate
Earn as much as
3.70% *
Jumbo IRA Term Certificate
Earn as much as
3.75% *
Super Jumbo IRA Term Certificate
Earn as much as
3.80% *

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Checking Accounts

Simplify money management with flexible checking features that fit your lifestyle.

LAPFCU is a full-service credit union for sworn, non-sworn, and professional employees of police and sheriff's departments and their family members in Los Angeles, Orange, Riverside, San Bernardino and Ventura counties.