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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:
• $6,000 if age 49 or younger
• $7,000 if age 50 or older

After the age of 72, you will be required to take annual distributions.

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

Annual Investment Limits:
• $6,000 if age 49 or younger
• $7,000 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.

 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.

Your IRA and the CARES Act
On March 27, 2020 Congress approved the Coronavirus Aid, Relief, and Economic Security (CARES) Act in response to the COVID-19 outbreak. The Act will provide critical financial support to individuals which could help relieve some of their financial stress through provisions that affect retirement plans.

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

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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.

Get Instant Answers

IRA accounts are insured by the NCUA, up to $250,000.

IRA accounts are opened in our branch locations.

Locate a Branch

IRA Certificates have a minimum opening balance of $500. Other IRAs can be opened at any amount.


Secure money growth at various time and investment tier options.

A higher-risk/reward portfolio option.

An ideal blend of growth and liquidity