Skip nav to main content.
Roth IRA

When you want to save for a comfortable retirement

Use the powerful retirement savings tool known as a Roth IRA to help you start building funds for your future.


Enjoy peace of mind about your financial future, knowing you'll have enough funds to use after your retirement.


Tax-free distributions

With this type of IRA account, you can grow your funds that will turn into tax-free distributions after you retire.*

Tax-free growth

You may not have to pay taxes every year on your Roth IRA's earnings.*

No required minimum distributions

You will not have to worry about any required minimum distributions from the account after you retire.

Multiple account options

Earn dividends on your contributions with an IRA money market or an IRA certificate of deposit.

View current rates

And more...

Good to know

Contribution limits

Annual contribution limits change from year to year.*

View current limits

Income limits

Unlike traditional IRAs, Roth IRAs have certain income limits.*

Withdrawal penalty fees

It is important to note that if you withdraw earnings before the account is five years old, or if you are below the age 59 1/2, there is a 10% penalty fee. You can always withdraw your own contributions penalty-free.*

Opened by you

Unlike a 401K provided by employer, you must open your own Roth IRA and make contributions to it annually.

Contribution tax limitations

Be aware that your contributions are not tax-deductible.*

Looking for other investments options?

In partnership with CUSO Financial Services, L.P. (CFS)**, RCU has the investment products to help you reach your financial dreams.

Your hard-earned money is safe

  • 5 star superior rating

    Received Bauer Financial's 5-star Superior rating for strength based on financial data as of June 30, 2023.

  • America's Best Credit Unions icon

    Named one of America’s Best Credit Unions by Newsweek.

Have a question?

At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.

Start building your nest egg early

Invest in your future for long-term growth with tax advantages!*

  • *Consult your tax advisor regarding tax implications.

    **Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members.

    SEC Marketing Disclosure.