Online Banking Login
Forgot Password/Username?
Online Banking Registration
Ask Us A Question!

Find a Branch near You!


Hawaii State Federal Credit Union offers several IRA products to fit your retirement and tax saving needs. (The following information is not intended as tax advice. Please consult a tax professional with regard to your own situation.)

Traditional IRAs
The credit union offers an IRA that provides members with potential tax savings while they save for retirement.
  • $100 minimum deposit
  • No minimum balance
  • Contributions may be tax-deductible for the year they are made
  • Earnings grow tax-deferred until withdrawn
  • Penalty-free withdrawals allowed for qualified higher-education expenses, first-time home purchases, disability, qualifying medical expenses, attainment of age 59 1/2, or payment to beneficiaries upon death
  • Requirements include the stopping of contributions and the starting of withdrawals at age 70 1/2.
Roth IRAs
The Roth IRA allows members who are either buying their first home, disabled, or 59 1/2 years of age to make tax-free withdrawals from this account provided the account has been open for at least five years. Although contributions are non-deductible, interest and capital gains will accumulate federally tax-free like a traditional IRA.
  • $100 minimum deposit
  • No minimum balance
Coverdell Education Savings Account
The Coverdell Education Savings Account offers members an alternative way to pay for qualified higher-education expenses for their dependents. Contributions are limited to a maximum of $2,000 per child per year and must be made prior to the beneficiary reaching age 18. Monies in this savings account must be used by your dependents before age 30.
  • Make up to a $2,000 annual, non tax-deductible contribution for your children under age 18
  • $100 minimum deposit
  • No minimum balance
IRA Term Share (Certificate) Account
Lock into higher savings yields and build your retirement nest egg with a Hawaii State FCU IRA Term Share Account. Terms of 6, 12, 24, 36, and 60 months at competitive rates fixed for duration of term. No transaction costs or service fees.
  • Earn premium dividends for a specified term
  • $1,000 minimum deposit
Featured Loan Rates
APR as low as *
*Click rate for more info. These are the lowest rates available.