Retirement (IRAs)

Big dreams are built with small steps. It’s never too early to save for retirement with an IRA.

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Make Your Golden Years More Golden

Saving more earlier is the best way to secure a comfortable retirement.

Every Little Step Adds Up

It’s hard to think of retirement when it’s far off. But the earlier you start saving, the better off you’ll be. Explore your options with IRA accounts tailored to your financial goals. Small amounts added together over time can lead to a worry-free retirement.

Options are Important

Not sure which retirement account is right for you? There are a variety of ways to invest for retirement. We can help you sift through the features to decide which one is right for you.

Where You are Matters

It’s important to take a look at your finances to know if you’re on track to meet your goals. We can help you review your current situation and future goals to recommend the best path forward.

Provide for the Next Generation

We can help you invest in your children’s future with the Coverdell Education Savings Account. It’s a hassle-free way to provide for their education and all the opportunities it unlocks.

Retirement Accounts

Check out all of our retirement accounts below.

Traditional IRA
Most Popular


Provides members with potential tax savings while they save for retirement. Earnings grow tax-deferred until withdrawn.

  • If deductible, contributions lower taxable income in the year they are made.
  • Traditional IRAs require you to start taking required minimum distributions (RMDs) at age 72.

Roth IRA


Accumulates federally tax-free. Contributions are nondeductible. Roth IRA must be open for a minimum of 5 years to make qualified tax-free withdrawals.

  • Qualified withdrawals in retirement are tax-free
  • Contributions can be withdrawn at any time – penalties may apply

Coverdell Education Savings Account


A tax-free investment growth and tax-free withdrawal account when funds are used for higher-education expenses.

  • Funds in the account must be used before the dependent reaches the age of 30.

Let HOCU Help You

A better financial future is within reach. Get in touch to get started!


General Inquiries: (808) 777-JOIN [5646]
Loan Inquiries: (808) 777-LOAN [5626]


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To become a member and gain access to the benefits a credit union brings.

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At one of our 5 convenient locations.

With over 30,000 surcharge-free CO-OP network ATMs across Hawaii and nationwide, HOCU makes accessing your money easier for you. Call us at 777-JOIN to learn more!

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