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

• Lock in a great rate and be guaranteed a great return
• As little as $500 is required to open any IRA certificate (3 months to 5 years)
• One NIHFCU penalty-free withdrawal on all IRA certificates¹
• All (except our 12 mo. Jumbo) available as either Traditional IRAs or as Roth IRAs
• Insured up to $500,000
• Bump-Up and add-on features available on 15 and 30 month certificates
• No charge maintenance or administrative fees

¹ NIHFCU will not impose a penalty for early withdrawal once during the certificate term. However, those penalties imposed by the IRS still apply. Consult your tax advisor.

PREMIER IRA SAVINGS ACCOUNT & PREMIER ROTH IRA SAVINGS ACCOUNT

• Open with as little as $25 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.

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