Roth IRA Share

Another IRA option through HawaiiUSA, the Roth IRA features qualifying tax-free withdrawals of both contributions and any accumulated earnings once you reach age 59½.  You’re never required to take distributions, making this savings plan an effective option for retirement and estate planning. 

  • Minimum opening deposit of $100
  • Make contributions at any age (contributions are non-deductible)
  • Withdraw contributions tax- and penalty-free at any time during the tax year
  • Withdraw earnings tax-free if you have held the account for over five years and if you are age 59½ or older
  • Penalty-free withdrawal exceptions prior to age 59½ include qualified:1
    • Disability
    • First-time home purchase
    • Higher-education expenses
    • Medical expenses
    • Military reservist
    • Death/Beneficiary of a deceased IRA owner
  • Roth IRA Certificates available


Individuals with taxable compensation and modified adjusted gross income (MAGI):

Tax Year Married Filing Jointly Single or Married Filing Separately
2014 < $181,000 < $114,000
2015 < $183,000 < $116,000

Maximum Annual Contributions & Deadlines2

Tax Year Age 49 & Below Age 50 & Above Deadline to Open & Fund
2014 $5,500 $6,500 April 15, 2015
2015 $5,500 $6,500 April 15, 2016

For more information, visit HawaiiUSA’s Investment and Insurance Services or consult a tax professional.

1 Taxes are still paid on the money you withdraw.

2 The annual contribution limit is an aggregate of the Traditional IRA and Roth IRA.

Contact Us

Oahu: (808) 534.4300
Toll-Free: (800) 379.1300


1-Year Roth IRA as high as %
3-Year Roth IRA as high as %

View All Rates & Disclosures

HawaiiUSA FCU For more information, call HawaiiUSA FCU at (808) 534.4300 or toll-free (800) 379.1300, click or visit one of our branches.
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