UPDATE: Learn more about IRS tax refunds and Economic Impact Payments (EIP). To schedule an appointment for select services online, click here.

IRA CDs and Certificates

Happy retired couple.

Lock in a better yield and build your savings with terms of 6, 12, 24, 36, 48 and 60 months.


Tax-Free Growth

Your earnings grow federally tax-free.1

Earn Premium Dividends

Choose a term from six months to five years.

No Transaction Fees

When you open the account, every penny goes toward your future.

No Service Fees

Planning ahead shouldn’t require fees.

Minimum Opening Deposit

Open your Term Share with a minimum $1,000.

Safety and Security

Your deposits are insured up to $250,000 by the National Credit Union Administration.


Ready to open your Term Share IRA?

Schedule an appointment online at one of our branches.

Terms

Min. Opening Deposit

APY*

Terms

6-month

Min. Opening Deposit

$1,000

APY*

0.15%

Terms

12-month

Min. Opening Deposit

$1,000

APY*

0.20%

Terms

24-month

Min. Opening Deposit

$1,000

APY*

0.25%

Terms

36-month

Min. Opening Deposit

$1,000

APY*

0.25%

Terms

48-month

Min. Opening Deposit

$1,000

APY*

0.25%

Terms

60-month

Min. Opening Deposit

$1,000

APY*

0.40%

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.

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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 Term Share 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.

Third Party Site Disclaimer

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members, for enrollment in Hawaii State FCU financial education webinars, or other purposes. Please review the terms and conditions of use carefully. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services, products, or contents. External websites are not under our control and may have different security, privacy and other. Using the links may identify you as a Hawaii State FCU member to the external website operator.  Services and products from third parties are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund.  Alternative services and products may be obtained from other providers of your choice.

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