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.
-
Best if you want:
Best if you want:
-
Minimum Opening Deposit
Minimum Opening Deposit
-
Minimum Balance
Minimum Balance
-
Tax-Deductible Contributions
Tax-Deductible Contributions
-
Tax-Free Withdrawals
Tax-Free Withdrawals
-
Required Distributions (Age)
Required Distributions (Age)
-
Earns Premium Dividends with Specified Term
Earns Premium Dividends with Specified Term
-
Traditional IRA
-
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.
-
Minimum Opening Deposit
$100
-
Minimum Balance
None
-
Tax-Deductible Contributions
-
Tax-Free Withdrawals
-
Required Distributions (Age)
70½
-
Earns Premium Dividends with Specified Term
-
Traditional IRA Learn More
Roth IRA
-
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.
-
Minimum Opening Deposit
$100
-
Minimum Balance
None
-
Tax-Deductible Contributions
-
Tax-Free Withdrawals
-
Required Distributions (Age)
70½
-
Earns Premium Dividends with Specified Term
-
Roth IRA
Learn More
Term Share IRA
-
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.
-
Minimum Opening Deposit
$1000
-
Minimum Balance
$1000
-
Tax-Deductible Contributions
-
Tax-Free Withdrawals
-
Required Distributions (Age)
End of Term
-
Earns Premium Dividends with Specified Term
-
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.