Individual Retirement Accounts

It’s never too early or too late to save for your retirement. NIHFCU’s high-yield IRA (individual retirement account) certificates and IRA Savings Account options may be great additions to your overall retirement plan.

IRA CERTIFICATES

• All NIHFCU certificates (except our 12 mo. Jumbo) are available as either Traditional IRAs or as Roth IRAs
• As little as $500 is required to open an IRA certificate
• No charge maintenance or administrative fees
• Lock in a rate and be guaranteed a great return.
• Insured up to $500,000

PREMIER IRA SAVINGS ACCOUNT & PREMIER ROTH IRA SAVINGS ACCOUNT

• Open with as little as $1 and contribute as often as you wish.
• Available as either a Traditional IRA or as a Roth IRA.
• A tiered interest account where members can begin earning the highest available rate immediately.
• A perfect option for members who want to build their IRA contributions through payroll deductions or wish to roll over retirement savings from another plan either temporarily or for a longer period of time.
• Insured up to $500,000

Click here to calculate your tiered APY based upon your current or future balances.

Remember: All IRAs are insured up to $250,000 by the National Credit Union Administration, a United States, government agency. Your IRAs are insured separately up to an additional $250,000 by Excess Share Insurance, a private company.

Please note: NIHFCU does not provide tax advice. Consult your tax advisor for eligibility, contribution guidelines and tax considerations.