IRA Term Share

Happy retired couple.

Lock in a better yield and build your savings with terms of 6, 12, 24, 36 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?

Terms

Min. Opening Deposit

APY*

Terms

6-month

Min. Opening Deposit

$1,000

APY*

0.85%

Terms

12-month

Min. Opening Deposit

$1,000

APY*

1.00%

Terms

15-month – Promo1

Min. Opening Deposit

$1,000

APY*

1.75%

Terms

24-month

Min. Opening Deposit

$1,000

APY*

1.10%

Terms

36-month

Min. Opening Deposit

$1,000

APY*

1.30%

Terms

48-month

Min. Opening Deposit

$1,000

APY*

1.40%

Terms

60-month

Min. Opening Deposit

$1,000

APY*

2.00%

Need a little extra help managing your finances?

Pick Up Some Saving Strategies

Saving for the future can be as simple as putting away a little money from every paycheck, or as complicated as calculating the compound interest and planning ahead decades in advance. Learn how to save like a pro with this short eLearning course.

Start this online course>>

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.

Find Wallet Wisdom>>

Calculators to help you save and spend smart

Ready to open your Term Share IRA?

Disclosures

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

Back to Top
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. Please review the terms and conditions of use carefully. Such services and products are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund. 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 or products. Alternative services and products may be obtained from other providers of your choice. External websites are not under our control and may have different policies and security. Using the links may identify you as a Hawaii State FCU member to the external website operator.

Click “ACCEPT” to enter an external website. Click “Cancel” to return to HSFCU’s website.

Please remember to log off of Online Banking and Mobile Banking before going to any external website

Cancel Accept