Individual Retirement Account | Lokahi Federal Credit Union

Plan for tomorrow — with tax-advantaged savings today.

At Lōkahi Federal Credit Union, we offer a range of IRA options to help you build a more secure financial future. Whether you're just starting to save for retirement or looking to maximize your long-term earnings, our IRAs offer flexibility, competitive dividends, and peace of mind.

IRA Savings Account

A flexible way to contribute toward retirement throughout the year.

No minimum balance required
No monthly service fees
Contribute at your own pace — via lump sum or recurring deposits
Dividends paid monthly
Federally insured for added security

IRA Certificates

Earn higher, fixed dividend rates by locking in your funds for a set term.

Minimum deposit of $500
Available in 12, 24, and 36-month terms
Ideal for members seeking predictable, long-term growth
Also available for Traditional and Roth IRAs

Early withdrawal penalties may apply. See our Truth-in-Savings Disclosure for details.

IRA Options

Traditional IRA

Contributions may be tax-deductible
Earnings grow tax-deferred until withdrawn
Ideal for members who expect to be in a lower tax bracket at retirement
Required minimum distributions begin at age 73 (formerly 70½)

Roth IRA

Contributions are not tax-deductible, but qualified withdrawals are tax-free
No required minimum distributions during your lifetime
Best for members who expect to be in a higher tax bracket in retirement
Must meet a five-year holding period for tax-free withdrawals

Coverdell Education Savings Account (ESA)

Save for a child’s qualified education expenses
Contributions are not tax-deductible, but withdrawals for education are tax-free
A great way to invest in your child’s future

Please consult your tax advisor to determine which IRA option is best for your financial situation.

Lōkahi FCU Mobile App

Same friendly faces, now in the palm of your hand—download the Lōkahi Mobile App

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Skip-A-Pay

Navigate your way through life's surprises by taking advantage of our all-new Skip-A-Pay program

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Credit Cards

Our credit cards feature competitively low interest rates, no annual fee and no balance transfer or cash advance fees.

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First Time Borrower Program

This program provides first time borrowers an opportunity to build their credit.

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Become a Member

We have three convenient ways to open an account today.

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