Invest in tomorrow
Build a stronger financial future with an HCU IRA designed for your goals. Choose the tax advantages that fit your journey toward retirement.
Retirement savings that work for you
Your retirement should reflect the life you’re working toward. HCU offers both Traditional and Roth IRAs with competitive dividend rates and flexible options that help you save confidently—whether you’re just getting started or expanding your long‑term plan.
Tax advantages
Reduce taxable income now or enjoy tax‑free withdrawals later, depending on the IRA you choose.
Competitive earnings
Grow your savings faster with strong dividend rates designed to maximize long‑term gain.
Flexible options
Choose the term and IRA type that align with your retirement strategy and timeline.
Traditional IRA
A traditional IRA is ideal if you prefer upfront tax benefits. Your contributions may be tax‑deductible, and earnings are taxed only when withdrawn in retirement.
Best For:
- Reducing taxable income today
- Those expecting to be in a lower tax bracket later
- Long‑term retirement planners
Roth IRA
A great choice if you want tax‑free growth and withdrawals in retirement. Contributions are made after taxes, so qualified distributions are completely tax‑free.
Best For:
- Younger savers expecting income growth
- Anyone seeking tax‑free withdrawals
- Flexible retirement planning
Coverdell Education IRA
A smart option for families saving for education expenses. Tax‑free growth and tax‑free withdrawals when funds are used for qualified elementary, secondary, or higher education costs.
Best For:
- Families planning for K–12 or college expenses
- Savers who want tax‑free education withdrawals
- Those seeking flexibility beyond 529 plans
Open an IRA at any HCU branch or call 800.428.8472.
The information on this page is not intended as tax advice. Please consult your tax advisor regarding your individual situation and any investment decisions.
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