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Individual Retirement Accounts (IRAs)

Whether you're just starting to think about retirement or have already built up your nest egg, an Eagle CU Individual Retirement Account ensures that your money will be there when you need it most.


An IRA is also a smart supplement to an existing pension or employer-sponsored retirement plan.

  • You only need $2,000 to open an IRA Certificate.
  • You can invest in Traditional, Roth, SEP or Coverdell Education IRA certificates.
  • You will benefit from compounding interest.

IRA Certificates*
Effective Date: Tuesday, May 23rd, 2017
TermMin. to OpenMin. to Earn APY*Dividend RateAPY*
12 months $2,000 $2,000 0.499% 0.500%
24 months $2,000 $2,000 0.648% 0.650%
36 months $2,000 $2,000 0.995% 1.000%
48 months $2,000 $2,000 1.292% 1.300%
60 months $2,000 $2,000 1.538% 1.550%


Looking for a retirement account with more flexibility? With an IRA Savings account, and your contributions* may be tax deductible. And, since your money is not tied to a term or a fixed-rate, your account will automatically earn more when rates increase.

All you need is $100 to open an account.

For tax-free withdrawals when saving for a child's education, we also offer Coverdell Education Savings accounts.

IRA Savings (SEP, Coverdell Education, Roth)*
Effective Date: Tuesday, May 23rd, 2017
Min. to OpenMin. to Earn APY*Dividend RateAPY*
$100 $100 0.100% 0.100%
$100 $100,000 0.150% 0.150%

‡ IRA Certificate terms: Members may open a Traditional, Roth, or Coverdell Education certificate at any term.
For SEP IRAs, members may only open a 48-month, a 60-month, or a variable term certificate.

To open an IRA Savings or Certificate Account, call (949) 588-9400 or (800) EAGLE CU (324-5328) or visit the Eagle Branch nearest to you.

* Withdrawals are subject to restrictions.

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