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Credit Union West
Routing Number: 322172153
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Individual Retirement Accounts (IRAs)

Contribute to your future with a savings account designed for retirement.

Flexible Retirement Saving Options

 

Choose the IRA that’s best for you. We offer several IRAs with different benefits so you can choose the one that fits your needs. Some have tax advantages when you invest, tax-free earnings or a set interest rate for a set term.

 
Traditional IRA
 
Invest in a traditional IRA for a tax-break the year funds are invested.

Annual Investment Limits:
• $5,500 if age 49 or younger
• $6,500 if age 50 or older

After the age of 70 ½, you will be required to make annual distributions.


Roth IRA
 
Get tax-free earnings with a Roth IRA.

Annual Investment Limits:
• $5,500 if age 49 or younger
• $6,500 if age 50 or older

 
There are no mandatory distributions for Roth IRAs. Regular penalty- and tax-free distributions can be made after age 59½.

 
IRA Savings

Open an IRA Savings with as little as $5 for flexible savings. Utilize automatic deposits from an internal account for convenient account growth.

 No Annual Investment Limit

 As a retirement account, the IRA Savings earns more – current annual dividend rate is 0.20%.

IRA Certificate
 
Lock in a high interest rate return for six to sixty months.

When the certificate matures, you have the choice of rolling it over into another IRA Certificate or to an IRA account.



 
 
 
 
 
 
 
 
 
 
 
 
 

Open Your Account Today!

 

Find a Location


Find and visit the branch location nearest you.  
 

Meet with Us


Schedule an appointment to meet with a member representative at your nearest branch.

Contact Us


Send us a message to discuss your savings goals and account needs.
 
 
 
 
 
 
 
 
 
 
 

For Your

Convenience
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Easily access your monthly statements online.
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Download the Credit Union West Mobile Banking app to access your account on the go.
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Transfer money into your savings, review balances and more.
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We are here to serve our members. We want your banking experience to be secure and convenient.

MEMBERS WITH IRAs ALSO HAVE

 
A secure way to see your money grow, with a variety of tiers.

Explore financial growth goals through portfolio investment options.

Money Market 

An ideal blend of growth and liquidity.