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Mission Branch

The San Francisco Mission branch is currently closed, due to the recent storms in the area.  If you need to make a transaction, you can use our onlinemobile, or audio banking features, or call our contact center at 877.369.2828.  We also have two other locations in the Bay Area.  We apologize for the inconvenience.

System Maintenance
Due to system maintenance, online and mobile banking will be unavailable on Sunday, Oct. 31st from 6:00am PDT thru 12:00pm PDT. Card services will also be limited during this time. We apologize for any inconvenience.
Self-Help Credit Union

Individual Retirement Accounts (IRA)

Invest In Your Future

Opening an IRA account is a safe and secure way to prepare for your retirement. You can open an account with only $500 and add deposits as you are able each year. Not only will you be earning competitive dividends, but you may be eligible to deduct your IRA contributions from your taxable income.*

Tax-Advantaged* Retirement Savings

  • Competitive dividends above standard savings rates
  • Traditional and Roth IRA options
  • Ability to open a term certificate within your IRA
  • $500 minimum deposit to open term certificate within IRA
  • $100 minimum deposit to open savings account within IRA
*Consult your tax adviser.
*Product availability may vary by location.

Traditional vs. Roth IRA


  • No income limits to open
  • No minimum contribution in any year allowing flexibility
  • Contributions are tax deductible on state and federal income tax*
  • Withdrawals can begin at age 59½
  • Early withdrawals subject to penalty**
  • Mandatory withdrawals at age 70½
  • Taxes on dividends are deferred until retirement

Roth IRA

  • Income limits to be eligible to open Roth IRA
  • Contributions are NOT tax deductible
  • Principal contributions can be withdrawn without penalty*
  • Withdrawals on interest can begin at age 59½
  • Early withdrawals on interest subject to penalty**
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income
  • Earnings accumulate tax-free and remain tax-free upon distribution
*Subject to some conditions. Consult a tax advisor.
**Certain exceptions apply, such as health care, purchasing first home, etc. 
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