HAPO Community Credit Union - Serving the Tri-Cities and Beyond
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IRA Accounts

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Traditional IRA's 

The benefits of investing in a traditional IRA may include tax deferred earnings, and for many people tax deductibility.

  • Eligibility Requirements: Earned Income / must be younger than 70 ½.
  • Contribution Types: Regular / Spousal, Rollover, Transfer, SEP, and Recharacterization

Roth IRA's

The Roth IRAs are nondeductible accounts that feature tax-free withdrawals for certain qualified distribution reasons.

  • Eligibility Requirements: Earned Income / Subject to modified adjusted gross income limits
  • Contribution Types: Regular/ Spousal, Rollover, Transfer, Conversion and Recharacterization

Coverdell Education Savings Accounts

The Education IRA is now titled the Coverdell Education Savings Account.

  • This IRA allows individuals to save money for a child's education on a tax-favored basis. Distributions used to pay for certain education expenses are federal income tax free and IRS penalty free.

All of HAPO's IRAs are available as either a fixed rate IRA certificate or a variable one-year account. See rates for additional information.

Contact your tax or financial advisor for complete information or modified amount updates.

VIEW CURRENT RATES
HAPO
601 Williams Blvd. Richland, WA 99354
Phone: 509-943-5676