Skip to main content
MOBILE CHECK DEPOSIT TEMPORARILY UNAVAILABLE (2/22/24): We will be performing scheduled maintenance from 8:00 p.m. - 10:00 p.m. PST Thursday, February 22, 2024. During the maintenance window, the Check Deposit feature in our mobile app will be temporarily unavailable. We apologize for the inconvenience.

Features & Benefits

Terms range

from 3 months to 5 years

Guaranteed rate of return

for the term

No monthly fees

For monthly service or maintenance

Plants sprouting from a pile of coins.

Traditional IRAs

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

  • 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
Meet with our Virtual Branch Team
Blue watering can watering a dollar bill shaped like a plant.

Roth IRAs

A Roth IRA offers tax-free withdrawals in retirement, providing a smart and flexible way to build a tax-efficient retirement nest egg.

  • Offer tax-free growth and more flexible withdrawal rules compared to a Traditional IRA**
  • Contributions can be withdrawn penalty- and tax-free at any time
  • No requirement to start withdrawing money at age 70 ½
  • After the account has been active for five tax years, earnings can be withdrawn penalty- and tax-free for a first-time home purchase, disability, death or because you’ve reached age 59 ½
Meet with our Virtual Branch Team

What our members are saying

I've been a Police Credit Union member for three decades. I'm proud to be part of an institution that stands behind our men and women in uniform. In addition to providing excellent loan rates, The Police Credit Union has the best service online or in person.

An outline of a memo note with a pen writing.

Asad S.

My entire family has utilized the variety of different services offered at the credit union from checking, savings, loans, and home mortgages. We love the people who work there and their services they provide.

An outline of a memo note with a pen writing.

Jerry N.

We're Here to Help

The Police Credit Union Member Services Representative  in front of The Police Credit Union  logo
Other ways to connect with us

Call us at 800.222.1391 or find a branch location, by clicking the button below.

Our Locations

Meet with us virtually

Schedule an appointment or meet a member of our Virtual Branch team from your computer, laptop, or mobile device

Visit our Virtual Branch

Virtual Branch Hours
Monday - Friday: 10:00 a.m. - 5:00 p.m. PST
Saturday: 9:00 a.m. - 12:00 p.m., 12:30 p.m. - 3:00 p.m. PST

*To make tax-deductible contributions to a Traditional IRA, you must be younger than 70½ 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. 

**Assuming you meet the Modified Adjusted Gross Income (MAGI) limits, you can contribute to a Roth IRA even after turning age 70 ½ as long as you’re working and earning income. Roth IRAs do not require minimum distributions when you turn age 70 ½. Further, participating in an employer-sponsored retirement plan does not affect your Roth IRA eligibility. 

Please note, consult with your tax adviser to discuss your individual situation.

External Link Alert

You are leaving our website and linking to an alternative website not operated by us. The Credit Union does not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites.

The Credit Union is not liable for any failure of products or services advertised on those sites. Each third-party site may have a privacy policy different than the Credit Union; and the linked third-party website may provide less security than the Credit Union's website. If you click "OK", an external website that is owned and operated by a third-party will be opened in a new browser window. If you click "CANCEL" you will be returned to our website.


Save time by logging in to Digital Banking

Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.