DCCU Routing # 251483311

Save for Retirement

Map Out Your Future

With the expertise offered by our Member Investment Services team coupled with the array of products and services we offer, DCCU is ready to help you prepare your retirement plan.

Member Investment Services 

Member Investment Services (MIS) is here to help with your investment needs. Our team of financial advisors can offer you professional guidance and objective advice about a variety of topics from retirement planning, investment products, estate planning, and more. Our team of experts is ready to help you build and achieve your financial goals.

Retirement Planning

IRAs, 401(K), Education, & Annuities

Investment Products

Various products including Mutual Funds, Stocks, Bonds, Real Estate, and Insurance.

Tax-Advantaged Investing

Investments that provide tax benefits

Estate Planning

Developing a comprehensive plan to manage your assets

College Planning

Making a plan to finance your higher education goals

Investing 101

Terms to Know

If your mind is boggled by investment terminology, we’re here to help!  With this handy glossary of investment terms, you’ll be better prepared to plan for your future.


401(k) | A retirement savings plan sponsored by an employer.  It allows a worker to save for retirement with tax benefits.

Annuity | A financial product sold by financial institutions that is designed to accept and grow funds from an individual and then, upon annuitization, pay out a stream to individuals at a later point in time.  Annuities are long-term investment vehicles for individuals during their retirement years.

Asset Allocation | The diversification of investments among several asset classes, such as stocks, bonds, and short-term investments.  Proper asset allocation may limit risk and provide potential growth opportunities.  Asset Allocation does not ensure a profit or protect against loss.

Estate Planning | The managing of a person’s assets that will protect their heirs in the event of death or incapacitation.

Retirement Planning | The act of determining how much money is needed for life after paid work ends and the decision on how to get there.

Roth IRA (Individual Retirement Account) | A Roth IRA allows qualified withdrawals on a tax-free basis provided that certain conditions are satisfied.  They are similar to traditional IRAs, with the main differences being how the two are taxed.  Roth IRAs are funded with after-tax dollars, meaning the funds are tax-free once an individual begins collecting them.

Traditional IRA (Individual Retirement Account) | Individual retirement account that allows individuals to direct pre-tax income, up to specific annual limits, towards investments that can grow tax-deferred.  IRAs are an investing tool used by individuals to earn money for retirement.  Generally, amounts in your traditional IRA (including earnings and gains) are not taxed until distribution.

Member Investment Services

Frequently Asked Questions

Member Investment Services (MIS) is here to help you with your financial planning and investment needs.  We seek to understand your current financial situation and help you to pursue your long-term goals.  We speak in language that you will understand, while providing objective financial advice in an honest and authentic manner.

MIS will offer professional guidance and objective advice in the following topics:  retirement planning, estate planning, college planning, risk management, tax-advantage investing, 401(k) advising, portfolio rebalancing, health insurance evaluation, and more.

We prefer to meet by appointment in order to provide the best possible service.

To schedule a no-obligation appointment with one of our representatives, email MISdccu@LPL.com or call 540.946.3200.

Welcome to

Retirement Central


We all envision what our perfect retirement will look like.  Sometimes, though, it seems like everyday life gets in the way of planning for the perfect retirement.  Although it may be hard to believe at times, everyday life is the raw material from which are given the opportunity to create building blocks for a better future.

Whether you’re just starting your career, or already in retirement, the decisions you make today will help to shape your future.  Below you’ll find key topics you should consider at various life stages to help ensure a successful retirement.

No Matter Your Life Stage – It’s Always a Good Time to Think About Retirement

Getting Started

Take the first step toward financial security in your retirement by taking the time to learn about your saving options.

Actively Saving

If you are currently setting aside money for retirement, you have taken the critical first step.  It’s time to revisit and refine your saving strategy to ensure you can have the type of retirement you want.

Changing Jobs

You have accepted a new job with exciting challenges.  This may be your chance to advance professionally and move closer to your career objective, or to redirect your skills and experience.  

Hoping to Retire Early

Many people wonder what their lives will be like in retirement – and hope to begin their retirement sooner than later.  If you are hoping to retire early, you must do some pre-planning now.

Approaching Retirement

You are finally at that point in your life where you can see the retirement light at the end of the career tunnel.  Now is the perfect time to make sure your financial ducks are in a row as you cruise toward retirement.

Planning Your Retirement – Tools to Help You Strategize

Informed planning is one of the cornerstones of an effective retirement strategy.  Our retirement planners offer a wide variety of planning tools covering numerous aspect of retirement planning, from selecting the best type of IRA to designing a retirement income strategy that best fits your personal objectives.

Beneficiary Planners

Are you an IRA beneficiary?  If so, don’t miss out on the significant tax-deferral options available to you.  These tools will help you identify your distribution options, project future payments, and calculate required beneficiary distributions.

Early Payout Planners (IRC Sec. 71(t))

Retiring early? These tools will help you structure payments that qualify for exemption from the 10 percent early distribution penalty tax, which typically applies to distributions taken before age 59 ½.

IRA Selector Tools

You have accepted a new job with exciting challenges.  This may be your chance to advance professionally and move closer to your career objective, or to redirect your skills and experience.  

Required Minimum Distribution (RMD ) Planners

Approaching age 70 ½?  Are you already in RMD status?  These tools will help you understand the implications of the RMD rules and calculate withdrawals that meet the RMD requirements.

Rollover Planners

Receiving a lump-sum distribution from an employer-sponsored retirement plan?  These tools will help you identify the tax options available to you and compare the retirement income implications of your various alternatives.

Roth IRA Conversion Tools

Should you consider converting some or all of your Traditional IRA assets to a Roth IRA?  These tools help you weigh the pros and cons of a Roth IRA conversion from a variety of perspectives.  

Individual Retirement Accounts (IRA)

Your retirement shouldn’t be left to chance.  DCCU’s Individuals Retirement Account (IRA) options can get you where you want to be with solid growth.  Your annual contributions are based on federal regulations, which can change.  Consult your tax advisor to determine which IRA is best for you.


Individual Retirement Account

Key Benefits & Features:

  • You won't pay taxes on your earnings until you withdraw them.
  • Some of your contributions may be tax-deductible. (Talk to your tax advisor for details).
  • You can contribute money at any age, as long as you or your spouse have earned income.
  • You must start withdrawing money at age 72.


Individual Retirement Account

Key Benefits & Features:

  • You can contribute money at any age, as long as your or your spouse have earned income.
  • You won't pay taxes on your qualified withdrawals. (Certain tax requirements apply).
  • Members, age 59 ½ can make tax-free withdrawals after the account has been active for five years.
  • First-time home buyers may withdraw fund tax-free for home purchases after the account has been active for five years.
  • There is no requirement for members age 72 to take distributions.

Individual Retirement Account FAQs

IRA stands for Individual Retirement Account, and is a sort of account used to help save for retirement.



IRA Share

 Balances up to $999 earn dividends higher than regular savings rate

 Balances above $1,000 earn slightly higher rate than IRAs up to $999

IRA Certificates

 $1,000 minimum to open

 1, 2, 2 ½, 3, 4, & 5 year terms available

 Automatic renewal

 Earns dividends

 Early withdrawal penalties may apply

IRA Share & 1 Year Certificate

90-day dividend penalty

IRA Certificates (2 Year - 5 Year)

 180-day divdend penalty

 Under 59 ½ early withdrawal penalties may apply

 Breaking the certificate before maturity penalties may apply

 Moving IRA Shares or IRA Certificates penalties may apply when moving to another FInancial Institution

Yes – IRA funds are insured to $250,000 separately from other DCCU savings accounts.