When you leave a company, one of the most important decisions you have to make is what to do with your 401(k) account. You can leave the account where it is (depending on the amount), roll it into a traditional IRA (individual retirement account) or rollover IRA, roll it into your new employer's plan, or cash it out. Financial experts recommend not cashing out a 401(k) account. Instead, roll your 401(k) account into a South Carolina Federal Credit Union IRA. A South Carolina Federal Credit Union IRA is the safest and most convenient way to invest your retirement money.