Roth IRA Account Online - Star One Credit Union
For banking by telephone, to find an ATM, or to speak to a Star One phone representative for assistance with this website, please call us at 866-543-5202 or 408-543-5202.
Star One Mobile App

Star One Mobile Banking
It's free and secure to use!

Get the Star One Mobile Banking app for your device.
It's free, intuitive, safe and secure to use!

View
Skip navigation
Routing number: 321177968
In your best interest

Roth IRA Accounts

No setup, administration or annual maintenance fees are charged on Star One IRA Accounts.

Set up a new IRA and get a $100 bonus

Set up a new, or fund an existing, IRA with a $2,500 minimum balance by April 15, 2024 and get a $100 bonus.*

  • Take advantage of tax benefits and tax-deferred interest
  • Have more flexibility and control over your investment
  • IRAs are separately insured up to $250,000 by the NCUA
  • Watch it grow with compounded interest and competitive rates

Open a Traditional IRA Now Open a Roth IRA Now

Roth IRA Accounts

  • No IRA setup, administration or annual maintenance fees
  • Convenience of payroll allocations and automated deposits
  • Automatic IRA distributions available
  • Automatic renewal on Certificate Accounts with 10-calendar-day grace period beginning on maturity date to make changes
  • Competitive IRA interest rates
  • Knowledgeable, qualified staff
  • Monthly statement

Roth IRA Accounts may offer greater tax savings and withdrawal flexibility than a Traditional IRA. Both Contributory and Conversion plans are available.

While Roth IRA contributions are not tax-deductible, contributions and earnings can be withdrawn tax-free on qualified distributions.

Roth IRA Accounts have no mandatory annual distribution requirements. Eligibility depends on income.

Roth IRA Account Summary

Roth IRA Investment Options

  • Savings Account - $100 minimum deposit or $25 with automated deposits
  • Certificate Accounts - $100 minimum deposit or $25 with automated deposits, 6-month, 1-year and 2-year terms

Traditional and Roth IRA Accounts are separately insured to $250,000 by the National Credit Union Administration, an agency of the United States Government. Coverdell Education Savings Accounts are insured under the same provisions as irrevocable trust accounts.


* Offer applies to new Contributory Traditional and Roth IRAs or additional contributions to existing Star One IRAs from external funds, transfer or rollover from employer plans or outside IRAs. Transfers from existing Star One IRAs and accounts do not qualify. The minimum of $2500 qualifying assets is the total amount of your deposits and transfers minus any withdrawals. Funding must occur within 90 days of IRA opening. Offer not valid for ESAs. Limit one bonus per member per 12-month period. Bonus will be deposited into your new Star One IRA as a dividend bonus credit. Bonus will not be reported to the IRS as an IRA contribution and any taxes related to the bonus are your responsibility. Other terms and conditions or eligibility criteria may apply. Promo Code IRA BONUS.


** Annual Percentage Yield

Roth IRA Interest Rates

IRA / ESA Savings

3.00

%

APY** (2.96% rate)



6-Month IRA / ESA

3.65

%

APY** (3.59% rate)



1-Year IRA / ESA

3.65

%

APY** (3.59% rate)



2-Year IRA / ESA

3.65

%

APY** (3.59% rate)

 

Open a Roth IRA

 

Service your Roth IRA

Additional Roth IRA Information and Help