Skip nav to main content.

Q | What is the difference between a Roth IRA and a Traditional IRA?

A| A Traditional IRA lets you defer your taxes until you withdraw in retirement. Basically, this means you can shrink the total taxes you pay now. You must start withdrawing by age 73, at which time you’ll need to pay taxes on your withdrawals.

With a Roth IRA, you need to pay taxes up front. However, you won’t have to pay taxes on your withdrawals in retirement, and there is no requirement for when you must start making withdrawals.

Test Modal

Modal Content

Ea rerum vel molestiae omnis molestias. Et ut officiis aliquam earum et cum deleniti. Rerum temporibus ex cumque doloribus voluptatem alias.

Example table

Rates effective as of: September 13, 2026

{Optional: Insert table disclosure information}

Open Account

Not a Member, Yet?

Open Your First Account

Already a Member?

Request Additional Account

 

Check your application status

Leaving Our Website

By accessing this link, you will be leaving the Credit Union’s web site and entering a web site hosted by another party.

Although the Credit Union has approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the Credit Union’s web site. The other party is solely responsible for the content of its web site.

We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of the Credit Union.

You will be leaving the credit union’s site.

Log in to Online Banking

FRAUD ALERT: Beware of people calling claiming to be from Pearl Hawaii where the caller ID says Pearl Hawaii. Pearl Hawaii will never ask you to respond to a text to reverse or erase a transaction, or ask for passwords, PINs, card numbers, Social Security numbers, or authentication codes. If you shared personal information, contact us immediately at 808-737-4328 or MyFamily@phfcu.com .