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Certificates & IRAs


SCCU Term Share Certificates offer high-yield, limited risk investment with tailored terms, offering an excellent option for those seeking solid growth for an extended period of time. Term Share Certificates are the equivalent of traditional certificates of deposit, offering fixed rates with terms from 3 to 60 months. 


Working to build a comfortable retirement nest egg is its own challenge. With a variety of options tailored to fit your current and future financial needs, SCCU can help you select the Individual Retirement Account (IRA) option that works for you.

Traditional IRA  |  Grow your retirement savings with tax-deferred contributions

Traditional IRAs generate deferred earnings, meaning you won't owe any taxes until your funds are withdrawn from the account.


Roth IRA  |  Enjoy tax-free withdrawals in retirement

Roth IRAs offer after-tax savings for a tax-free retirement income provided you hold the Roth IRA for at least five years and don’t take distributions before reaching age 59½.


Coverdell Education Savings Accounts (formerly known as Education IRA)

These savings accounts can be opened for any child under age 18 to fund his or her educational expenses, such as tuition, fees, books, supplies, equipment, in some cases computers and room and board. Earnings grow tax-free if distributions are used for qualified education expenses.