Faith Matters. Finances Matter.
Secure Your Golden Years With DFCU Retirement Accounts
Faith Matters. Finances Matter.
At Deseret First Credit Union you never have to choose between them.
At Deseret First Credit Union you never have to choose between them.
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Traditional IRA
A Traditional IRA is ideal for members who want to take advantage of tax deductions now while growing their retirement savings for the future. Your contributions may lower your taxable income, and your earnings grow tax-deferred until withdrawal—helping you make the most of today's dollars for tomorrow's needs. You can contribute on your own schedule—monthly, bi-weekly, or annually—and start required minimum distributions at age 73, as outlined by IRS regulations. It's a straightforward way to balance immediate tax benefits with long-term financial growth.
Roth IRA
If you expect your tax rate to be higher in the future, a Roth IRA may be your best choice. You contribute after-tax dollars today and enjoy tax-free withdrawals in retirement—on both your original contributions and the earnings they generate. Unlike a Traditional IRA, you'll never be required to take distributions during your lifetime, giving you complete control over your savings timeline. You can also withdraw contributions (but not earnings) anytime without penalty, offering flexibility as your life and priorities change. With built-in estate planning benefits, Roth IRAs can even help you pass financial blessings to the next generation.
IRA Share Certificates
Guarantee your growth with fixed-rate IRA Certificates.
Premium Rates
Premium rates up to 4.35% APY on select terms
Flexible Terms
Choose terms from 3 to 60 months
Low Minimum
Start with just $500 minimum deposit
Jumbo Certificates
Jumbo Certificates available at $75,000+
Combine tax advantages with our most competitive yields.
IRA Savings Account
Keep your IRA liquid while still earning dividends—perfect for regular contributions.
Competitive APY
0.20% APY on all balances
No Minimum Balance
No minimum balance required
Unlimited Contributions
Make unlimited contributions whenever you're ready
Easy Transfers
Easy transfers between DFCU accounts
An accessible way to begin—or continue—your retirement journey.
Your Retirement Dreams Deserve Purpose-Driven Planning
For more than 20 years, members have trusted DFCU for proactive service, competitive rates, and advice rooted in values. Whether you're seeking tax deductions today or tax-free income later, our team is here to guide you with clarity and care.