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PERSONAL BANKING Beyond the Basics is a blog dedicated to financial literacy in Hawaii. The stories found here discuss the Financial issues and challenges unique to our island home.
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BUSINESS BANKING Beyond the Basics is a blog dedicated to financial literacy in Hawaii. The stories found here discuss the Financial issues and challenges unique to our island home.
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WEALTH MANAGEMENT Beyond the Basics is a blog dedicated to financial literacy in Hawaii. The stories found here discuss the Financial issues and challenges unique to our island home.
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Earn a higher rate of interest than with a typical savings account.
See current rates
Make contributions today and you could defer taxes until retirement.
Traditional IRA
A traditional IRA is a tax-deferred retirement savings account which means money that you deposit and the interest you earn are not taxed until you make withdrawals in retirement. Deferring taxes allows an IRA to grow faster because all your contributions and earnings can compound each year without being hindered by taxes.
Roth IRA
If a Traditional IRA seems too restrictive, a Roth IRA may be more suitable. It's available to more people, allows couples to contribute more, grants greater flexibility with withdrawals, and offers better tax benefits. You can even convert your existing IRA to a Roth IRA (consult with your tax advisor).
For more information, visit any Central Pacific Bank branch or call our Customer Service Center at (808) 544-0500 or toll-free at 1-800-342-8422.
