Individual Retirement Accounts

Your earnings grow tax-deferred and if eligible, your contributions may be tax-deductible as well. We have various terms for you to reach your retirement goal.

Minimum Opening Balance - $100.00
Minimum term is twelve months
10% IRS early withdrawal penalty if withdrawn before age of 59.5 unless exception applies
Other restrictions may apply

- Competitive interest rates
- Various terms available
- Interest earned may be tax deferred


Time Certificate of Deposits

An account offering a simple and secure way to grow your funds. With various terms available and a low minimum opening deposit, you can pick a perfect solution for your financial needs.

Minimum Opening Balance - $2,500.00
Minimum term is one month
Early withdrawal penalty may apply. Fees may reduce earnings

- Competitive interest rates
- Various terms available (one month to seven years)


Flexible Certificate of Deposits

This account allows you to make withdrawal up to three times prior to maturity. This CD is ideal if you may need to access to your deposit.

Minimum Opening Balance - $2,500.00
Minimum term is 24 months
Early withdrawal penalty may apply. Fees may reduce earnings

- Competitive interest rates
- May withdrawal up to three times without penalty prior to maturity


Please contact an Ohana Pacific Bank personal banker for more information. (808)237-6551