Retirement Savings Accounts
Having your back today includes helping you look out for your security and happiness well into the future. Our retirement accounts offer flexibility and forward-thinking opportunities.
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Best if you want:
Best if you want:
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Minimum Opening Deposit
Minimum Opening Deposit
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Minimum Balance
Minimum Balance
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Tax-Deductible Contributions
Tax-Deductible Contributions
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Tax-Free Withdrawals
Tax-Free Withdrawals
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Required Distributions (Age)
Required Distributions (Age)
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Earns Premium Dividends with Specified Term
Earns Premium Dividends with Specified Term
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Traditional IRA
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Best if you want:
A retirement savings account with potential tax savings1 now and penalty-free use of funds for qualified expenses such as a first-time home purchase.
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Minimum Opening Deposit
$100
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Minimum Balance
None
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Tax-Deductible Contributions
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Tax-Free Withdrawals
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Required Distributions (Age)
70½
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Earns Premium Dividends with Specified Term
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Traditional IRA Learn More
Roth IRA
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Best if you want:
An account that allows for tax-free withdrawals starting at age 59½, due to disability, or when making a first-time home purchase.
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Minimum Opening Deposit
$100
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Minimum Balance
None
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Tax-Deductible Contributions
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Tax-Free Withdrawals
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Required Distributions (Age)
70½
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Earns Premium Dividends with Specified Term
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Roth IRA
Learn More
Term Share IRA
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Best if you want:
To lock in a better rate with a set term of 6, 12, 24, 36, 48 or 60 months, all with no transaction costs or service fees.
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Minimum Opening Deposit
$1000
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Minimum Balance
$1000
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Tax-Deductible Contributions
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Tax-Free Withdrawals
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Required Distributions (Age)
End of Term
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Earns Premium Dividends with Specified Term
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Term Share IRA Learn More
Need a little extra help managing your finances?
Learn About Investing
Get to know your different investment options and how to develop a strategy that helps you meet your short- and long-term financial goals. You’ll also learn how to create an investment portfolio that balances risk and rewards.
Master Your Spending
Check out our Wallet Wisdom resources for help with:
- How to spend your money based on your priorities.
- Becoming a budgeting pro.
- Saving for a new car or a home.
Not yet a member? Experience the Hawaii State FCU difference.
1. The information given is not intended as tax advice. Please consult a tax professional with regard to your own situation.