LOGIN Individual Accounts Available through CUSO Financial Services, LP (CFS)* We all have plans for the future, and being smart with your money is the first step in making sure those plans move smoothly. Our investment accounts can help keep you on track without sacrificing your comfort in the present. SCHEDULE AN APPOINTMENT IRA CALCULATORS VIEW YOUR PORTFOLIO RETIREMENT CENTRAL® TRADITIONAL INDIVIDUAL RETIREMENT ACCOUNT (IRA) There is no age requirement for contributing to this account as long as the owner has earned income. Traditional IRA earnings grow tax-deferred until they are withdrawn as retirement income (though there may be tax penalties for withdrawing before the age of 59½). Contributions can be tax deductible (within income limits). Schedule an appointment with a CFS advisor* IRA Calculators View your portfolio Retirement Central® ROTH IRA This account is available for investors of all ages who fall within Roth IRA income limits. Contributions are made after taxes, which means funds can be withdrawn tax- and penalty-free at age 59½, provided the account has been open at least five years. Schedule an appointment with a CFS advisor* IRA Calculators View your portfolio Retirement Central® IRA, 401(K) PLAN ACCOUNT, 457 PLAN ACCOUNT, AND 403(B) PLAN ROLLOVERS/TRANSFERS.** Rollover IRAs are generally funded with assets from an employer-sponsored retirement plan account balance. You might decide to roll over an employer-sponsored retirement plan account balance into an IRA if you switch jobs, retire, or your company terminates its retirement plan. A direct rollover lets you roll over funds from an employer-sponsored plan account into your IRA. Schedule an appointment with a CFS advisor* IRA Calculators View your portfolio Retirement Central® INDIVIDUAL BROKERAGE ACCOUNTS Contractual agreements between a sole investor and a brokerage firm. A brokerage account lets an individual place money with and request investment orders through a broker, who buys and sells securities on the individual’s behalf. Schedule an appointment with a CFS advisor* IRA Calculators JOINT BROKERAGE ACCOUNTS A Joint Tenancy with Rights of Survivorship is a brokerage account shared by two or more account holders. When a joint account has the “right of survivorship,” it means that when one of the owners dies, the account and its property passes to the surviving owner or owners. Schedule an appointment with a CFS advisor* IRA Calculators * Nondeposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Nondeposit investment products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. SELCO Community Credit Union has contracted with CFS to make nondeposit investment products and services available to credit union members. **Before deciding whether to retain assets in an employer sponsored plan or roll over to an IRA an investor should consider various factors including, but not limited to: investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions, and possession of employer stock. ROUTING NUMBER: 323274445 Join Contact Resources Community Giving © 2021 SELCO COMMUNITY CREDIT UNION. ALL RIGHTS RESERVED. PRIVACY POLICY FEDERALLY INSURED BY NCUA | EQUAL HOUSING LENDER NMLS #402847 SELCO wants its services and applications to be accessible to everyone. If you are using a screen reader or other auxiliary aid and are having difficulty using this website, please call us at 800-445-4483. We'll be happy to help.