Retirement Accounts
It’s never too early to start planning 和 saving for your future. We can help you build your nest egg so you can be on a path toward living a financially stable retirement. We offer both Traditional IRA 和 Roth savings 和 certificates. A Traditional IRA savings, in most cases, will allow you to make pre-tax contributions, meaning when you make deposits into the IRA, you are able to deduct that amount from your taxable income 和 in return, pay less taxes for the year. A 罗斯IRA savings may be right for you if you don’t need the tax deductions now 和 prefer tax-free withdrawal at retirement. IRA certificates are available in both Traditional 和 Roth, 和, like our regular certificates, come with term options that pay higher dividends for longer terms.
储蓄 Product Comparison
| Product feature | Regular 储蓄 | 货币市场 | 证书 |
|---|---|---|---|
| NCUA Insurance | Available via Regular 储蓄 | Available via 货币市场 | Available via 证书 |
| Check-writing | Not available via Regular 储蓄 | Available via 货币市场 | Not available via 证书 |
| 借记卡 | Available via Regular 储蓄 | Available via 货币市场 | Not available via 证书 |
| 流动性 | Available via Regular 储蓄 | Available via 货币市场 | Not available via 证书 |
| Limited Transactions | Available via Regular 储蓄 | Available via 货币市场 | Available via 证书 |
| 相对年 | Not available via Regular 储蓄 | Available via 货币市场 | Available via 证书 |
Certificate Product Comparison
| Product feature | Traditional IRA | 罗斯IRA | 储蓄 证书 | 证书 |
|---|---|---|---|---|
| NCUA Insurance | Available via Traditional IRA | Available via 罗斯IRA | Available via 储蓄 证书 | Available via 证书 |
| Check-writing | Not available via Traditional IRA | Available via 罗斯IRA | Not available via 储蓄 证书 | Not available via 证书 |
| 借记卡 | Available via Traditional IRA | Available via 罗斯IRA | Not available via 储蓄 证书 | Not available via 证书 |
| 流动性 | Available via Traditional IRA | Available via 罗斯IRA | Not available via 储蓄 证书 | Not available via 证书 |
| Limited Transactions | Available via Traditional IRA | Available via 罗斯IRA | Available via 储蓄 证书 | Available via 证书 |
| 相对年 | Not available via Traditional IRA | Available via 罗斯IRA | Available via 储蓄 证书 | Available via 证书 |
储蓄的常见问题
Yes, your savings routing number is the same as for your checking. San Francisco Federal Credit Union’s routing number is 321076441. Direct deposits can be set up to go into your savings account 和 is a great way to build your savings.
Our savings products do not allow for check writing. For unlimited check writing capabilities, you can open a checking account. Although you cannot write checks from a savings or money market account, those accounts can be linked to your checking account as overdraft protection. Rather than incurring an overdraft fee, having your savings 和/or money market linked to your checking account will allow us to automatically transfer funds from your checking account 和 prevent your savings account from becoming overdrawn – provided the linked checking account has enough funds to cover the entire deficit.
When you open your CD with us, you will have the opportunity to make arrangements for the money upon the CD maturity date. If you do not make arrangements then, there is a 10-day grace period after your CD reaches maturity during which time you may rollover your balance to a new CD, add funds to the account or reduce the balance. You can also transfer the money to a different account or close the account without penalty.
If you want to rollover your balance to a new CD, please contact us for the latest dividend rates 和 Annual Percentage Yield (APY) 和 to discuss term options. We can be reached during regular business hours at 415-775-5377.
We recommend that you consultant your attorney, CPA or financial advisor on what investment options are best for you.