IRA’s

The Road to Retirement Starts Here.

IRA Accounts

Whether you're just starting to save for retirement or looking to maximize your long-term plan, an Individual Retirement Account (IRA) from HHCU is a smart way to secure your financial future.

At HHCU, we offer both Traditional and Roth IRA’s for you to choose from with guidance from a team who puts your financial well-being first. When you open an IRA with HHCU, you can enjoy potential tax-deferred or tax-free growth depending on the IRA you choose.

Plus, with competitive dividend rates and no setup or maintenance fees, it’s easier than ever to get your retirement rolling. Your funds are also federally protected and insured up to $250,000 by the NCUA. Explore our accounts options below!

Traditional IRA

Roth IRA

IRA Share Certificates

Traditional IRA

Contribute up to $5,500 after-tax dollars if you are a single filer
Married couples can contribute up to $11,000
Individuals attaining the age of 50 before the end of the taxable year may be eligible to contribute an additional amount to a traditional and/or Roth IRA as a catch-up contribution of $1,000

Roth IRA

Contribute up to $5,500 after-tax dollars if you’re a single filer earning less than $127,000
Married couples can contribute up to $11,000 if your combined income is less than $188,000
Individuals attaining the age of 50 before the end of the taxable year may be eligible to contribute an additional amount to a traditional and/or Roth IRA as a catch-up contribution of $1,000
Pay no taxes on withdrawals, provided funds have been in the account, at least five years and you are older than 59 1/2, or you become disabled, or you die and it’s paid to your beneficiary, or you use the money for a first-time house purchase ($10,000 lifetime withdrawal limit.)

IRA Share Certificates

An IRA share certificate works almost like a regular share certificate with the flexibility of selecting a term from 91 days to 5 years. When the share has matured, you may renew the certificate, select a different term, or transfer the funds back into your regular IRA. Anyone with earned income from employment can open an IRA share certificate, though you must use the funds transferred from an existing IRA.

Need help deciding which IRA is best for you? Contact our team of experts to help walk you through the options and decide what works best for your retirement goals.