HAPO will be closed on Monday, November 11, 2019 in observance of Veterans Day. As a reminder you will have access to Online and Mobile Banking, as well as access to 30,000+ surcharge-free ATMs nationwide. Thank you to our veterans for their service! 

IRA Accounts

It's never too early to start thinking about retirement. HAPO offers both Traditional and Roth IRAs as well as education savings accounts.

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
Open an Traditional IRA

Roth IRA's

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
Open a Roth IRA

Coverdell Education Savings Account (Education IRA)

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.

Open an Education IRA

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