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Share Certificates & IRAs

Individual Retirement Accounts

Earn high dividends. Payroll deduction types are available with a minimum starting balance of $5. Certificates available with $500 minimum. Ask about the Roth and Education IRA plans we offer. Click here to see our current rates.

Traditional IRA's -

A good choice if you expect to be in a lower tax bracket at retirement as earnings grow tax-deferred until withdrawn. Contributions may be tax deductible, please consult your tax advisor for details. Required Minimum Distributions start at age 70.5.

Roth IRA's -

Great if you do not need a tax break right now. Regular contributions can be withdrawn tax-free and penalty-free at any time. No Required Minimum Distributions are required. Earnings can be withdrawn tax-free and penalty-free after the account has been opened for 5 tax years and meets certain restrictions.

Coverdell Education Savings Account
(Formerly Education IRA) -

Funds can be used for elementary, secondary and post-secondary education expenses at most private, public and parochial schools. New limits of $2000.00 per child per calendar year. Withdrawals for qualified education expenses are tax-free and penalty-free.

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HFCU is federally insured by the National Credit Union Administration. HFCU is an Equal Opportunity and Housing Lender.

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