{"id":410,"date":"2016-07-27T14:27:32","date_gmt":"2016-07-27T18:27:32","guid":{"rendered":"http:\/\/local.wordpress.dev\/?page_id=410"},"modified":"2026-02-11T20:14:24","modified_gmt":"2026-02-11T20:14:24","slug":"retirement-accounts","status":"publish","type":"page","link":"https:\/\/latinoccu.org\/es\/products-and-services\/savings\/retirement-accounts\/","title":{"rendered":"Cuentas de Jubilaci\u00f3n"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"410\" class=\"elementor elementor-410\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f49451b e-flex e-con-boxed e-con e-parent\" data-id=\"f49451b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9dad4a elementor-widget elementor-widget-heading\" data-id=\"c9dad4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Planea tu futuro y empieza a construir lo que sue\u00f1as.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-32ecbab4 e-con-full cmp cmp-basic-text e-flex e-con e-parent\" data-id=\"32ecbab4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2c88fb47 e-flex e-con-boxed e-con e-child\" data-id=\"2c88fb47\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ef87826 elementor-widget elementor-widget-text-editor\" data-id=\"1ef87826\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Lo que necesitas:<\/h3><ul><li>Monto m\u00ednimo de apertura: $25<\/li><li>Saldo m\u00ednimo: $10<\/li><li>Ser socio de la Cooperativa Latina<\/li><\/ul><h3>\u00a0<\/h3><h3>Lo que recibes:<\/h3><ul><li>Tu dinero est\u00e1 seguro y asegurado federalmente hasta $250,000 por NCUA<\/li><li>El inter\u00e9s pagado es compuesto, se liquida diariamente y se paga mensualmente<\/li><li class=\"translation-block\">Tasas de inter\u00e9s competitivas<\/li><li>No cobramos cargos de manejo si se mantiene el balance m\u00ednimo<\/li><li>Servicios de transferencia de fondos recurrente disponible para contribuciones<\/li><li>Maneja tu cuenta en l\u00ednea desde cualquier parte con nuestros servicios electr\u00f3nicos. <a class=\"local\" href=\"\/es\/products-and-services\/other-services\/electronic-services\/\">Haz clic aqu\u00ed<\/a>\u00a0para m\u00e1s detalles<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ea076e3 e-flex e-con-boxed e-con e-child\" data-id=\"ea076e3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db3abb8 elementor-widget elementor-widget-template\" data-id=\"db3abb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"17719\" class=\"elementor elementor-17719\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b3b0f72 e-con-full e-flex e-con e-parent\" data-id=\"2b3b0f72\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5496e373 elementor-widget elementor-widget-heading\" data-id=\"5496e373\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">IRA<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a8248a4 pp-table-center elementor-widget elementor-widget-pp-table\" data-id=\"4a8248a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;table_type&quot;:&quot;normal&quot;}\" data-widget_type=\"pp-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"pp-table-container\">\n\t\t\t<table \n\t\t\tclass=\"pp-table tablesaw\"\t\t\t\t>\n\t\t\t\t\t\t\t<colgroup>\n\t\t\t\t\t\t\t\t<col\n\t\t\t\t\tspan=\"1\"\n\t\t\t\t\tclass=\"elementor-repeater-item-de6fc24\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\n\t\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<\/colgroup>\n\t\t\t\t\t\t<thead>\n\t\t\t\t<tr class=\"pp-table-row\">\n\t\t\t\t\t<th class=\"pp-table-cell pp-table-cell-21920c7\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">Tipo de Cuenta<\/span><\/span><\/th><th class=\"pp-table-cell pp-table-cell-1b55fe9\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">Dep\u00f3sito m\u00ednimo\t<\/span><\/span><\/th><th class=\"pp-table-cell pp-table-cell-4d1128e\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">Tasa de inter\u00e9s\t<\/span><\/span><\/th><th class=\"pp-table-cell pp-table-cell-812bba8\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">Inter\u00e9s anual<\/span><\/span><\/th>\t\t\t\t<\/tr>\n\t\t\t<\/thead>\n\t\t\t\t\t<tfoot>\n\t\t\t<\/tr>\t\t<\/tfoot>\n\t\t\t\t<tbody>\n\t\t\t<tr ><td class=\"pp-table-cell pp-table-cell-e561877\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">Roth, Tradicional y Plan de Pensiones Simplificado para Empleados (SEP)<\/span><\/span><\/td><td class=\"pp-table-cell pp-table-cell-d1df384\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">$25<\/span><\/span><\/td><td class=\"pp-table-cell pp-table-cell-1c15125\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">3.78%\t<\/span><\/span><\/td><td class=\"pp-table-cell pp-table-cell-66d41ec\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">3.85%\n<\/span><\/span><\/td><\/tr>\t\t<\/tbody>\n\t\t\t\t\t<\/table>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f9d5b26 cmp cmp-accord-plus e-flex e-con-boxed e-con e-parent\" data-id=\"f9d5b26\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23c6237f elementor-widget elementor-widget-pp-advanced-accordion\" data-id=\"23c6237f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;accordion_type&quot;:&quot;accordion&quot;,&quot;toggle_speed&quot;:300}\" data-widget_type=\"pp-advanced-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"pp-advanced-accordion pp-toggle-icon-align-right\" id=\"pp-advanced-accordion-23c6237f\" data-accordion-id=\"23c6237f\" role=\"tablist\">\n\t\t\t\t\t\t\t<div class=\"pp-accordion-item\">\n\t\t\t\t\t\t\t\t\t\t<div id=\"pp-accordion-tab-title-6001\" class=\"pp-accordion-tab-title\" tabindex=\"0\" data-tab=\"1\" role=\"tab\" aria-controls=\"pp-accordion-tab-content-6001\" aria-expanded=\"false\">\n\t\t\t\t\t\t<span class=\"pp-accordion-title-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"pp-accordion-title-text\">\n\t\t\t\t\t\t\t\tLetra peque\u00f1a <div class=\"accord-sub\">Detalles Importantes<\/div>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"pp-accordion-toggle-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class='pp-accordion-toggle-icon-close pp-icon'>\n\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-up\"><\/i>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class='pp-accordion-toggle-icon-open pp-icon'>\n\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-down\"><\/i>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"pp-accordion-tab-content-6001\" class=\"pp-accordion-tab-content\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"pp-accordion-tab-title-6001\">\n\t\t\t\t\t\t<ul><li>Los fondos no se pueden tomar prestados ni se pueden usar como garant\u00eda para un pr\u00e9stamo<\/li><li>Penalizaci\u00f3n no deducible del 6% de los impuestos federales por contribuciones excesivas<\/li><li>Balance minimo de $10 para prevenir un cargo mensual de $2<\/li><\/ul><p><a class=\"accord-link\" href=\"\/es\/rules-regulations\/\">M\u00e1s Informaci\u00f3n<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c57d41f e-con-full cmp cmp-table e-flex e-con e-parent\" data-id=\"7c57d41f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-328743b e-flex e-con-boxed e-con e-child\" data-id=\"328743b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1cae7b09 pp-table-center elementor-widget elementor-widget-pp-table\" data-id=\"1cae7b09\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;table_type&quot;:&quot;normal&quot;}\" data-widget_type=\"pp-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"pp-table-container\">\n\t\t\t<table \n\t\t\tclass=\"pp-table tablesaw\"\t\t\t\t>\n\t\t\t\t\t\t\t<colgroup>\n\t\t\t\t\t\t\t\t<col\n\t\t\t\t\tspan=\"1\"\n\t\t\t\t\tclass=\"elementor-repeater-item-de6fc24\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\n\t\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t<\/colgroup>\n\t\t\t\t\t\t<thead>\n\t\t\t\t<tr class=\"pp-table-row\">\n\t\t\t\t\t<th class=\"pp-table-cell pp-table-cell-21920c7\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\"><\/span><\/span><\/th><th class=\"pp-table-cell pp-table-cell-1b55fe9\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">Roth IRA\t<\/span><\/span><\/th><th class=\"pp-table-cell pp-table-cell-4d1128e\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">Traditional IRA\t<\/span><\/span><\/th><th class=\"pp-table-cell pp-table-cell-812bba8\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">Simplified Employee Pension (SEP)<\/span><\/span><\/th>\t\t\t\t<\/tr>\n\t\t\t<\/thead>\n\t\t\t\t\t<tfoot>\n\t\t\t<\/tr>\t\t<\/tfoot>\n\t\t\t\t<tbody>\n\t\t\t<tr ><td class=\"pp-table-cell pp-table-cell-e561877\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">Elegibilidad\t<\/span><\/span><\/td><td class=\"pp-table-cell pp-table-cell-d1df384\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">El titular de la cuenta o su c\u00f3nyuge deben tener ingresos. Sin l\u00edmite de edad.\t<\/span><\/span><\/td><td class=\"pp-table-cell pp-table-cell-1c15125\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">El titular de la cuenta debe tener ingresos.\t<\/span><\/span><\/td><td class=\"pp-table-cell pp-table-cell-66d41ec\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">El empleador completa y firma un acuerdo escrito en la fecha de devoluci\u00f3n de impuestos, y entrega una copia al empleado. Los empleados elegibles abren una cuenta SEP en la instituci\u00f3n que elijan. El empleador determina el porcentaje de la contribuci\u00f3n. No hay l\u00edmite de edad para hacer contribuciones en nombre del empleado.\n<\/span><\/span><\/td><\/tr><tr ><td class=\"pp-table-cell pp-table-cell-81f5a2a\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">M\u00e1xima contribuci\u00f3n anual\t<\/span><\/span><\/td><td class=\"pp-table-cell pp-table-cell-f4df117\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">La cantidad menor entre el l\u00edmite anual del IRS o la cantidad fijada seg\u00fan los ingresos brutos ajustados modificados (MAGI) del titular.\t<\/span><\/span><\/td><td class=\"pp-table-cell pp-table-cell-054ef8e\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">La cantidad menor entre entre el l\u00edmite anual del IRS o 100% de los ingresos recibidos.\t<\/span><\/span><\/td><td class=\"pp-table-cell pp-table-cell-b10f454\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">No puede superar el 25% de los ingresos del empleado, hasta el l\u00edmite de compensaci\u00f3n.\n<\/span><\/span><\/td><\/tr><tr ><td class=\"pp-table-cell pp-table-cell-f832263\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">Distribuciones\t<\/span><\/span><\/td><td class=\"pp-table-cell pp-table-cell-d05e40b\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">Puede hacerse retiros libres de impuestos y sin penalizaci\u00f3n en cualquier momento.\t<\/span><\/span><\/td><td class=\"pp-table-cell pp-table-cell-36f91f6\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">Pueden empezar a la edad de 59 \u00bd sin penalizaci\u00f3n; es necesario que empiecen a m\u00e1s tardar a la edad de 72.\t<\/span><\/span><\/td><td class=\"pp-table-cell pp-table-cell-d5ba60c\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">Pueden empezar a la edad de 59 \u00bd sin penalizaci\u00f3n; es necesario que empiecen a m\u00e1s tardar a la edad de 72.\n<\/span><\/span><\/td><\/tr><tr ><td class=\"pp-table-cell pp-table-cell-a2a0c9c\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">Ventajas<\/span><\/span><\/td><td class=\"pp-table-cell pp-table-cell-cb75c11\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">Se pueden hacer contribuciones a cualquier edad. Se pueden hacer retiros libres de impuestos cuando se desee. Las ganancias que acompa\u00f1an los retiros autorizados est\u00e1n libres de impuestos. No se exigen retiros tras la jubilaci\u00f3n.\t<\/span><\/span><\/td><td class=\"pp-table-cell pp-table-cell-d127609\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">Es posible hacer contribuciones deducibles de impuestos. Las ganancias acumuladas crecen con impuestos diferidos. Se puede pasar a una IRA Roth si se cumplen ciertos criterios.\t<\/span><\/span><\/td><td class=\"pp-table-cell pp-table-cell-e0bc1dd\"><span class=\"pp-table-cell-content\"><span class=\"pp-table-cell-text\">Permite a las peque\u00f1as empresas ofrecer a sus empleados cobertura para su jubilaci\u00f3n sin ning\u00fan coste administrativo. Los trabajadores independientes pueden hacer aportaciones para su propia jubilaci\u00f3n.\n<\/span><\/span><\/td><\/tr>\t\t<\/tbody>\n\t\t\t\t\t<\/table>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4594ed3d e-con-full cmp cmp-basic-text e-flex e-con e-parent\" data-id=\"4594ed3d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-63f69903 e-flex e-con-boxed e-con e-child\" data-id=\"63f69903\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b5acd5 elementor-widget elementor-widget-heading\" data-id=\"6b5acd5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00a1Te pagamos m\u00e1s!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32e49753 elementor-widget elementor-widget-text-editor\" data-id=\"32e49753\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Con tasas de inter\u00e9s m\u00e1s altas y tarifas m\u00e1s bajas. \u00bfPor qu\u00e9 esperar? Descubre el ahorro que solo la Cooperativa Latina puede ofrecerte.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Plan for the future and start building your nest egg. What You Need: $25 minimum initial deposit $10 minimum balance Be a Latino Credit Union member \u00a0 What You Get: Retirement accounts are federally insured up to $250,000 by NCUA Dividends compounded daily, paid monthly Competitive interest rates No maintenance fee if minimum balance is [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":1111,"parent":1185,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"page-structure":[21],"sidebar-content":[23,27],"class_list":["post-410","page","type-page","status-publish","has-post-thumbnail","hentry","page-structure-has-sidebar","sidebar-content-footer-join-today","sidebar-content-rates"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Retirement Accounts - latinoccu.org<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/latinoccu.org\/es\/products-and-services\/savings\/retirement-accounts\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retirement Accounts - latinoccu.org\" \/>\n<meta property=\"og:description\" content=\"Plan for the future and start building your nest egg. 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