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IRA Roth
Impulsa tu jubilación con ahorros libres de impuestos.
Benefíciate de décadas de crecimiento libre de impuestos con una Cuenta de Jubilación Individual, IRA Roth de alto interés. Cuando tus inversiones devengan intereses, esa cantidad se añade al saldo de tu cuenta, capitalizando sus intereses y dividendos a lo largo del tiempo. Opta por una cuenta Roth IRA si prevés que tu tramo impositivo será más alto cuando empieces a retirar dinero. Aporta ingresos o remuneraciones, de cualquier tipo, y obtén ganancias libres de impuestos.
- No pagues ningún cargo mensual por servicio
- Abrir con un saldo mínimo de $100 (Ahorros) o $1,000 (Certificados de Depósito)
- Aporta hasta $7,000 por año si tienes menos de 50 años, $8,000 si tienes más de 50 años.
- Obtén una tasa de bonificación en todos los certificados de más de $50,000*
- Realiza aportaciones a cualquier edad con ingresos salariales que reúnan los requisitos
- isfruta de ganancias libres de impuestos y retiros libres de penalización después de los 59½ años de las cuentas abiertas durante al menos cinco años
- Sin distribuciones mínimas
- Retiros libres de impuestos en las cuentas IRA Roth transferidas a los herederos
Socios: Envíen un mensaje seguro a través de banca en línea, llámanos o visita una sucursal para abrir tu nueva cuenta
IRA Rates
Tasas precisas a partir de 6/10/2026
Todas las tasas y términos están sujetos a cambios sin previo aviso.
| Type | Dividend Rate | APY* |
|---|---|---|
| IRA Share ($100 minimum) | 0.200% | 0.20% |
| 12 Months ($1,000 minimum) | 3.494% | 3.55% |
| 24 Months ($1,000 minimum) | 3.251% | 3.30% |
| 36 Months ($1,000 minimum) | 3.494% | 3.55% |
| 48 Months ($1,000 minimum) | 3.494% | 3.55% |
| 60 Months ($1,000 minimum) | 3.494% | 3.55% |
*APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date. Fees may reduce earnings. Rates may vary after account is opened. Federally insured by National Credit Union Administration (NCUA).
Benefíciate de un crecimiento libre de impuestos con una cuenta IRA Roth.
Haz que tus ahorros para la jubilación rindan más. Abre una cuenta IRA Roth, en línea o en cualquier sucursal.
Socios: Envíen un mensaje seguro a través de banca en línea, llámanos o visita una sucursal para abrir tu nueva cuenta
He estado con USC Credit Union durante muchos años, y ahora, en la jubilación, siempre me han cuidado.
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*USC Credit Union paga una tasa de bonificación en la mayoría de los certificados de más de $50,000. La tasa de bonificación es excluida de las ofertas de certificados promocionales. Por favor consulta las divulgaciones de USCCU Truth-in-Savings, que se encuentra en la banca en linea, para obtener información completa sobre los términos de la cuenta y las condiciones relacionadas. Se aplican multas por retiro anticipado. Pueden aplicarse multas del IRS por retiros prematuros, además de una multa por retiro anticipado. Consulta a tu asesor fiscal para obtener más información.