Retirement Accounts
To help you reach your financial goals by the time you're ready for retirement, Meriwest provides you a wide range of insured options for your retirement investing.
Planning for your future has never been more important, and our retirement options and advice are designed to help you achieve your financial goals with confidence and ease. Whether you're just starting to save or are nearing retirement, our flexible options and expert guidance ensure that you can build a secure and prosperous future. Start your journey towards a comfortable retirement today with a plan that's built around you.
Try our simple-to-use Retirement Calculators to formulate your strategies.
Basic Retirement Account Options
Roth IRA
The Roth IRA is a newer option for retirement savings, where contributions are not deductible, but earnings are tax-free.
Learn More
Traditional IRA and Roth IRA accounts are insured separately up to $250,000 from other accounts that are maintained in Meriwest Credit Union. View NCUA's Your Insured Funds brochure, for detailed share insurance information.
To open an IRA account or get more information, call us at (877) 637-4937 or visit one of our Meriwest Financial Centers.
Comprehensive financial planning, long-term and short-term investment strategies and retirement planning are available to all of our Meriwest Credit Union members on a confidential basis.
Meriwest Wealth Advisors
You can discover more options by meeting with one of the registered representatives in the convenience of any of our Meriwest financial centers. Simply ask a Meriwest financial services representative or call Meriwest Wealth Advisors for information on investments directly at 408-866-1002.
Please consult your tax advisor regarding your individual situation.
Join Our Family!
Membership is required for Meriwest products and services. You are eligible to join Meriwest Credit Union if any of the following applies:
- You live, work, worship, or attend school in Alameda, Contra Costa, San Francisco, San Mateo and Santa Clara counties of Northern California, and Pima county of Arizona.
- You are an employee of a participating Meriwest Credit Union member company.
- You are a relative of or reside with a current member of Meriwest Credit Union.
- If you don’t meet any of the requirements above but live in California or Arizona, you can still join Meriwest with a complimentary membership in the Financial Fitness Association. Call 1-877-637-4937 to learn more.
People Usually Ask:
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What kinds of savings account do you have?
We offer many savings account options. Choose an option below to explore the accounts in each category:
- You Name It Savings
- Retirement Accounts
- Money Market Accounts
- Certificate Accounts
- Business Savings Accounts
- New Member Premier Savings Promotion: a great account with the kind of yield that usually requires large sums of money committed for several years. Available only to new members during the first thirty (30) days from the date of opening a membership account.
Check out our current Savings Rates.
Unlock the benefits of banking with Meriwest Credit Union
Learn more about our Member Benefits or fill out our Online Membership Application to join us today.
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What are the current certificate rates?
Visit our Rates page for the current certificate rate and term information.
Earn more for your money with a Certificate Account
If you're looking for an insured product with a guaranteed higher annual dividend rate and you can keep your funds in an account for a longer-term, certificate accounts at Meriwest are the right solutions for you.
Visit our Certificate Accounts page to learn more or apply today.
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What are the penalties for early Certificate (CD) withdrawals?
The penalty imposed on an early withdrawal from a certificate will be equal to a percentage of the amount of the principal balance that is withdrawn. The percentage is calculated by dividing the number of days remaining in the then-current term at the time of the withdrawal by 365.
Please note that early withdrawal penalties may exceed the amount of dividends earned and further reduce the principal balance. In regards to tax penalties, we ask that you please contact your tax advisor for assistance.
Penalties and fees may differ per product or promotion. Please Contact Meriwest for an exact amount.
Need access to funds? Consider a personal line of credit.
The ValueChoice Credit Line Option allows you to use the credit you need, pay it back in low monthly installments and use it again. Access to funds is easy - write a ValueChoice check, get cash from a Meriwest ATM, or take a cash advance with Meriwest Online or over the phone. -
What is an IRA?
An IRA is an independent retirement account that helps you save for retirement with tax advantages. To help you reach your financial goals by the time you're ready to retire, Meriwest offers a wide range of insured options for your retirement investing including Traditional, Roth, and Accumulative IRAs.
View our IRA pages.