Plan for your future with an IRA from HOTFCU.
We’re here to help you start saving for retirement with a high yield, risk free investment.

An IRA, or Individual Retirement Savings is a self-managed savings or investment account to help you prepare for retirement.

  • You can choose from Traditional or Roth IRA’s
  • We offer IRA savings accounts and IRA Certificates of Deposit

Roth vs Traditional IRA

  • Traditional IRA

Contributions are tax deductible, interest and dividends are tax deferred.
*Contact your tax advisor for details.

  • Roth IRA

Qualified withdrawals are tax free.
*Restrictions apply.  Contact your tax advisor for details.

It’s always good to start saving early for retirement. The more you save, the more money you’ll have when the time comes. Have any questions? Contact us or visit one of our branches for help.

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