All Hawaii State FCU branches will be closed on Monday, October 14 for a company-wide community service day. For 24/7 access to your accounts, use Digital Banking or the HSFCU Mobile App.

Roth IRA

Grandmother and grandson.

With a Roth IRA, interest and capital gains accumulate federally tax-free. As your money grows, it’s all yours for retirement.


Low Minimum Deposit

Just $100 opens your Roth IRA.

No Minimum Balance

Put away as much as you can  for retirement with a Roth IRA.

Tax-Free Growth

Your earnings grow federally tax-free.1

Penalty-Free Withdrawals

Use the money for qualified higher-education expenses, first-time home purchases, disability and qualifying medical expenses.

Payable to Beneficiaries

Your family will receive the money when you’re not there to support them.

Withdrawals Start at 59½

Tax-free withdrawals start at age 59½ provided the account has been open for at least five years.


Ready to open your Roth IRA?

Schedule an appointment online at one of our branches.

Need a little extra help managing your finances?

Online Courses

Discover money management tips, learn new financial skills and more. Check out our wide range of free, short interactive online tutorials. Register for a free account, sign in and start learning.

Get started >>

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.

Get financially healthy >>

Calculators to help you save and spend smart

Ready to open your Roth IRA?

Schedule an appointment at one of our branches.

Schedule an appointment
Disclosures

1 The information above is not intended as tax advice. Please consult a tax professional with regard to your own situation.

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