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Savings & Checking

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.

CU@Home Enrollment

Enrolling in CU@Home is easy - Here's how:

If you do not have an Access 24 Personal Access Code or need assistance please call 301-718-0208, 800-877-6440 or 301-881-5822 (Hearing Impaired).

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