Our KAHULUI AND KIHEI SAFEWAY BRANCHES will close early at 4 p.m. on Friday, November 15 for an island-wide meeting. For 24/7 access to your accounts, use Digital Banking or the HSFCU Mobile App.

Traditional IRA

Happy grandparents.

Enjoy potential tax savings today while you plan ahead for tomorrow. Just add a Traditional IRA to your long-term savings plan.


Low Minimum Deposit

All it takes is $100 to open your Traditional IRA.

No Minimum Balance

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

Tax-Deductible

Your contributions may be tax-deducible.1

Tax-Deferred Growth

Your earnings grow tax-deferred until withdrawn.

Penalty-Free Withdrawals

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

Withdrawals Start at 59½

Distributions can start at age 59½, or to your beneficiaries if you’re not there to help them.


Ready to open your Traditional 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 Traditional 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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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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