IRAs

Traditional IRA

Save safely for your future. IRA accounts may give you a tax break while you're working, as annual contributions may be tax-deductible (check with your tax advisor).  You'll pay taxes on withdrawals at retirement when you're likely to be in a lower tax bracket. 

Roth IRA

Earnings are tax-free if the account is open for five tax years and withdrawn for a qualified reason. 

  • Contributions are not tax-deductible
  • Regular contributions can be withdrawn tax and penalty-free at any time
  • Not required to start withdrawals at age 70
  • Higher limit applies if age 50 or older

How to Join:

It's now easier than ever to join El Monte Community Credit Union! You can apply for membership online by using our Online Membership Application.

Apply Now

Once your application is submitted, it will be reviewed within 24 business hours. After review, one of our representatives will contact you via phone to facilitate your one-time, refundable pledge amount of $5 and $5 minimum initial deposit.

You can also still visit our branch at 11718 Ramona, Blvd., El Monte to open an account. You may also join by fax or mail. Call us at (626) 444-0501 to receive an application.

How to Open an IRA

You can open an IRA in person by visiting our branch at 11718 Ramona, Blvd., El Monte CA 91732. You may also open an account by fax or mail. Call us at (626) 444-0501 to receive an application.

Mail your completed application to:

El Monte Community Credit Union
11718 Ramona Blvd.
El Monte, CA 91732

Or fax your completed application to (626) 444-6961.

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Your savings insured to $250,000 per account. This institution is not federally insured, or insured by any state government.