IRAs

Short-term, long-term, either way, it's on your terms.
Experience the wave!

Our fixed-rate, 12-month certificate IRA gives you a competitive yield and tax-deferred dividends. Roth and Coverdell ESA (Education) are also available. Plus, your IRA contribution may be tax deductible. Consult your tax advisor.

Whatever your goals, let us help you reach them. Whether you're looking for a one-month, five-year, or long-term savings program - Pacific Oaks has the savings option for you.

 

All dividends are calculated on the ending daily balance; earned dividends are posted at the close of business on the last day of the month or at certificate maturity. Dividends are forfeited if account is closed before the end of the dividend period.

Dividends are declared by the Board of Directors monthly and are not guaranteed; dividends are paid from current income and available earnings after required reserve transfers.

Other account terms may reduce earnings. Certificates have early withdrawal penalties.

Rates and yields are subject to change without notice.

 

(NCUA Your savings insured to at least $100,000 and backed by the full faith and credit of the United States Government. NCUA insurance coverage increases to $250,000 for IRAs. Additional coverage provided by American Share Insurance.)