skip to main content
Mobile Search - How can we help you?

Traditional & Roth IRAs

Needs vary when it comes to selecting an IRA, depending on where you are in life and how you want your funds to be taxed after retirement. It’s never too late to start an IRA.

  • IRA bullet
    An Individual Retirement Account, or IRA, is one of the smartest, most tax-efficient ways to save for retirement.
  • Compare IRAs bullet
    Both Traditional and Roth IRAs offer substantial tax savings, but each has its own uses, advantages, and guidelines. Compare IRAs.
  • SI bullet
    Your accounts insured by the National Credit Union Share Insurance Fund to at least $250,000. Visit to learn more about your Share Insurance Coverage and to access resources including a Share Insurance estimator tool, publications, videos, and more.

Get Started

Open at any Branch


The maximum amount you can put aside annually for an IRA varies by the year in which your contributions are made, and is dependent upon your income and marital status. If you are turning 50 in the tax filing year, you can also benefit from additional catch-up contributions. Compare IRAs.

IRA contributions must be made by your tax filing date.


Benefits and Features

  • Can be established as a savings or certificate account, with higher certificate APYs at $50,000 and $100,000
  • Generally tax-advantaged1
  • Penalty -free withdrawals after age 59 ½
  • Contributions accepted until tax year filing date
  • IRA rollovers accepted.

Traditional & Roth IRA Savings Rate

Dividend Rate
Minimum to Open

View all rates and disclosures

More Options

Additional retirement options, i.e., mutual funds, annuities, and more are available through our investment affiliate, HVFCU Financial Services

NCUA Disclosure

1Consult your tax advisor to determine if an IRA right for you.