LOG IN PERSONAL BUSINESS PERKS COMMUNITY RATES LOG IN INDIVIDUAL RETIREMENT ACCOUNTS Grow Your Savings with Peace of Mind PERSONAL > IRAS Individual Retirement Accounts (IRA) Save for retirement and take advantage of the tax benefits an IRA may offer. You’ll be amazed at how fast your account will grow. We offer Traditional, Roth, Coverdell, and IRA Share Certificates. 12 mo IRA SHARE CERTIFICATES 0.250%APY* RATES & DISCLOSURE 18 mo IRA SHARE CERTIFICATES 0.275%APY* RATES & DISCLOSURE 60 mo IRA SHARE CERTIFICATES 0.350%APY* RATES & DISCLOSURE 1 mo IRA SHARE ACCOUNT 0.10%APY* RATES & DISCLOSURE Traditional IRA Save for retirement with tax advantages. Contributions to your IRA may be fully or partially deductible depending on your tax situation. Withdrawals in retirement are taxed at your tax rate at that time. Roth IRA Withdraw money in retirement tax-free, without penalties. Contributions before retirement are not tax-deductible. Coverdell IRA Save for higher education with a tax-advantaged Coverdell account. Parents and guardians can make nondeductible contributions for keiki under the age of 18. IRA Share Certificates Save and build your way towards retirement and fulfill long-term financial goals with the security and flexibility of a share certificate. OPEN NOW *APY=Annual Percentage Yield. MAIN BRANCH 681 South King Street Honolulu, Hawaii 96813 HARKNESS BRANCH 1301 Punchbowl Street Harkness Annex, Room 139 WEST OAHU BRANCH Temporarily Closed MEMBER SERVICES (808) 536-3677 CONSUMER LOANS (808) 536-0833 REAL ESTATE LOANS (808) 529-4599 NMLS#412820 HOURS & ATMS MEMBERSHIP CONSUMER RATES & FEES BUSINESS RATES & FEES CAREERS PRIVACY POLICY Your savings are federally insured to at least $250,000. National Credit Union Administration, a U.S. Government Agency. Deposits additionally insured up to $500,000 by Excess Share Insurance. © 2021 Hawaii Central Federal Credit Union. All Rights Reserved Creative Range by Live Chat