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We have been made aware of scam text messages falsely claiming to be from The Police Credit Union. The messages may appear as a password reset request. If you receive one of these phishing texts, do not respond or click on any links included in the text, and delete the message immediately. Click here for tips on protecting yourself from banking scams.

Traditional IRA

At The Police Credit Union, we pride ourselves on providing financial guidance and valuable products for today and the future. As you create your retirement plan, consider an The Police Credit Union Traditional IRA as your sole source of retirement income or a supplemental income stream so you can live comfortably and experience the joys of retirement.

Traditional IRAs offer several tax benefits, such as tax-deferred earnings. Please consult your tax adviser to determine the best retirement options for you and your specific situation.

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Features & Benefits

  • Earnings grow tax-deferred, and you won’t owe income taxes until you make withdrawals
  • Contributions may be tax-deductible (please read Eligibility Requirements below)
  • IRS penalty-free withdrawals are allowed prior to age 59 ½ (up to a lifetime limit of $10,000) when funds are used for qualifying expenses such as a first-time home purchase, higher education expenses, medical expenses, disability, IRS levy, divorce or death
  • Read more about The Police Credit Union’s Traditional IRAs

Eligibility Requirements

To make tax-deductible contributions to a Traditional IRA, you must be younger than 70 ½ years while receiving compensation, generally considered income earned from working. Then you’re automatically eligible if neither you nor your spouse is covered by an employer-sponsored retirement plan, regardless of your income level. Please note, consult with your tax adviser to discuss your individual situation.

Invest in your future with a Traditional IRA by calling us at 800.222.1391 or visiting one of our convenient branches in San Francisco, Pleasanton, San Mateo or Oakland, California.