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Savings

Retirement Accounts

If you’re looking for a highly effective way to invest for your retirement, then putting your money in an IRA is a smart choice.
Explore an IRA Investment Account option at First Federal
Pick from a Traditional IRA, Roth IRA, Advantage IRA, or an Simplified Employee Pension Plan

Secure Retirement Options

Exploring Your IRA Investment Options

An Individual Retirement Account (IRA) is a key part of keeping a diversified portfolio for your retirement planning. Your earnings are guaranteed, and your funds are federally insured up to at least $250,000.

Your retirement account can be held in a fixed-rate CD, a Savings Account, or an Advantage IRA, so you can create a plan that works for your retirement goals. You can deposit additional funds at any time without extending maturity (contribution limits apply). With low annual and transactional fees, we are committed to providing you with the services you need to ensure a bright financial future.

Let us be your partner in saving towards retirement. Please visit one of our branches to get started.

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Get started with a Retirement Investment Account

Traditional IRA

A Traditional IRA is a way to save for retirement that gives you tax advantages. Contributions you make to a traditional IRA may be fully or partially deductible, depending on your circumstances, and generally, amounts in your traditional IRA (including earnings and gains) are not taxed until distributed. Required minimum distributions (RMDs) for Traditional IRA start at age 72.

Roth IRA

A Roth IRA has the same contribution limits as a Traditional IRA. Contributions are not tax deductible but qualified distributions are tax-free if you meet IRS requirements. Your Roth IRA contributions might be limited based on your filing status, and income distributed, and/or earned income.

Unlike a Traditional IRA, you can leave funds in your Roth IRA as long as you live and are not required to begin taking mandatory distributions.

Contributions to Traditional and Roth IRA can be made regardless of your age as long as you earn in come in the U.S.

SEP Plan

Simplified Employee Pension (SEP) plans can provide a significant source of income at retirement by allowing employers to set aside money in retirement accounts for themselves and their employees. A SEP does not have the start-up and operating costs of a conventional retirement plan and allows for a contribution of up to 25% of each employee’s earned income.

Advantage IRA

Our Advantage IRA is a dynamic savings account tailored for Individual Retirement Accounts (IRAs) that boasts a higher interest rate ranging from 0.50% to 0.75% APY, depending on the account balance. This variable rate account allows for flexibility, with interest calculated daily and credited quarterly, ensuring your retirement savings grow steadily. With a minimum opening balance of $50 and a minimum balance requirement of $2,500 to earn the annual percentage yield, the Advantage IRA provides an excellent opportunity for individuals seeking a competitive and customizable retirement savings solution. For more detailed information, please see our Advantage IRA Disclosure.
Start a Retirement Account early with First Federal of San Rafael

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Find out if a Performance+ Checking Account is the best fit for you, or compare our checking accounts.
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*Annual Percentage Yield is accurate as of 5/24/23. Rates may change. Fees could reduce earnings. All other banking fees apply, see branch for details. Other fees, such as NSF, overdraft fees, etc. may apply, see schedule of fees. First Federal does not charge fees to download or use the First Federal Mobile Banking App; however, your mobile carrier may charge for data and text message usage. Check with your carrier for more information. Offer good on personal accounts only; business and corporate accounts do not qualify for these plans. Bank rules and regulations apply. Ask us for details.

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