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Individual Retirement Account

IRAs are savings accounts designed to help wage earners save for retirement. Many members may still be eligible to deduct their IRA contributions from their taxable income. For them, IRAs are great investments. For those who may not take the deduction, an IRA still remains one of the best methods to save for retirement. Because IRA earnings are sheltered from taxes, IRAs grow faster than ordinary savings accounts.

Invest in one of our IRA Insured Investment Funds. The principal and dividends are insured up to $250,000.00. Earn competitive dividends for your future without risking your principal. And with the 1997 Tax Relief Law we can add Roth and Educational IRA's.

  • A $5 minimum balance is required for IRA Shares.
  • A $500 minimum balance is required for IRA Share Certificates.
  • No monthly fees.
  • Contributions may be made in "lump sums" or by regular deposits to the IRA Share throughout the year.
  • Dividends are paid monthly.
  • The latest Hawaiian Financial FCU IRA rates are available by calling or visiting any of our available branches.

Please consult with your tax adviser for further information.


A Traditional IRA is an individual retirement arrangement that allows you to save for retirement with tax-deferred earnings and the possibility of tax-deductible contributions.  These tax advantages make the Traditional IRA a powerful tool in creating a balanced, long-term savings.

Learn About Traditional IRAs


A Roth IRA is an individual retirement arrangement that offers different tax incentives than a Traditional IRA to boost your retirement savings.  Unlike Traditional IRAs, contributions to a Roth IRA are never tax-deductible, but the money you contribute to your Roth IRA can be withdrawn tax free at any time.  And if you qualify, you can withdraw the earning tax free too.

Learn About Roth IRAs

Coverdell Education Savings Accounts (ESA)

An ESA can help you save for a child's education expenses such as tuition, fees, books, supplies, equipment, and in some cases, room and board.  With an ESA, you make nondeductible contributions that may provide for tax-free withdrawals including earnings down the road.

Learn About Coverdell IRAs


A retirement plan rollover is the movement of eligible retirement plan assets to another eligible employer-sponsored retirement plan or IRA. Rolling over retirement plan assets generally preserves their tax-preferred status. But you must follow the rules to fully benefit from these transactions.

Learn About IRA Rollovers