Notice: All branch lobbies are currently closed. Drive-up services remain open at most locations. Click here for more details.

Go to content.


Grow your money

Do I need an IRA? When do I need to start saving for retirement? How much do I need to save to live comfortably when I retire? These are all questions a knowledgeable financial advisor can help you answer when creating a plan to save for retirement. An advisor will give you the 411 on Traditional and Roth IRAs along with Social Security and 401(k) plans. Meet with an advisor to help you financially prosper in retirement. 

Talk with an Advisor


Traditional and Roth IRAs

It's never too early to start planning for retirement.

The benefits of investing in a Traditional IRA may include tax-deferred earnings and, for many people, tax deductibility. Roth IRAs are nondeductible accounts that feature tax-free withdrawals for certain qualified distribution reasons.

Speak with a HAPO representative to open an IRA, or talk with a financial advisor to learn more about your options.  

View Current Rates

Retired couple walking

Traditional IRA

Meet the eligibility requirements and you can deduct contributions to a traditional IRA from your federal taxable income, as well as from your taxable income in most states. This up-front tax break reduces the current income taxes you owe.

Learn About IRAs
Grandpa with grandaughter

Roth IRA

Roth IRAs are nondeductible accounts that feature tax-free withdrawals for certain qualified distribution reasons. There are rules, and they can be complex, so speak with a financial advisor about your Roth IRA contributions.

More About IRAs
Grandpa with grandson on his shoulder

Rollover and Inherited

An experienced financial advisor can help you understand inherited IRAs and highlight the different types of "rollover" options available to you. They can also provide guidance when you need to rollover your retirement plan into another IRA.

About IRA Accounts

*Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, D/B/A MEMBERS Financial Services Financial Planning and Investment Services, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC Insured, May lose value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America.

AdTrax: FR-2942599.1-0220-0322 | Broker Check

601 Williams Blvd. Richland, WA 99354
Phone: 509-943-5676