Today's IRA and IRA certificate (traditional and Roth) rates
Rates effective as of July 9, 2025. Dividend rates and annual percentage yields may change after you open your account. Please see your account disclosure for additional details.
| Term | Minimum Deposit | APY1 | Dividend Rate |
|---|---|---|---|
| Featured Certificate 3 Month |
$500 | 4.000% | 3.922% |
| 6 Month | $500 | 3.750% | 3.681% |
| 12 Month | $500 | 3.000% | 2.956% |
| 15 Month Bump-Up | $500 | 2.000% | 1.980% |
| 18 Month | $500 | 2.250% | 2.225% |
| 24 Month | $500 | 2.250% | 2.225% |
| 30 Month Bump-Up | $500 | 2.000% | 1.980% |
| 36 Month | $500 | 3.100% | 3.053% |
| 60 Month | $500 | 3.000% | 2.955% |
| 6 Month | $10,000 | 3.750% | 3.681% |
| 9 Month | $10,000 | 3.650% | 3.582% |
| 12 Month | $10,000 | 3.000% | 2.956% |
| 15 Month Bump-Up | $10,000 | 2.000% | 1.980% |
| 24 Month | $10,000 | 2.250% | 2.225% |
| 30 Month Bump-Up | $10,000 | 2.000% | 1.980% |
| 12 Month Jumbo* | $100,000 | 3.500% | 3.440% |
For non-IRA Money Market and Certificate rates, please click here.
To open any NIHFCU IRA product stop by any branch or call 1-800-877-6440.
Premier IRA Savings Account and Premier Roth IRA Savings Account
| Balance Ranges | APY1 | Dividend Rate |
|---|---|---|
| $0-$5,000 | 0.010% | 0.010% |
| $5,001-$25,000 | 0.100% | 0.100% |
| $25,001 and above | 0.200% | 0.200% |
To open any NIHFCU IRA product stop by any branch or call 1-800-877-6440.
Rates, fees and terms as of July 9, 2025 and subject to change without notice
1 APY=Annual Percentage Yield. Offers, rates and terms subject to change or cancellation at any time without notice. Renewal rates at maturity will be at then prevailing rates and may be higher or lower than the maturing certificate rate. Early withdrawal penalties apply for certificate accounts. Dividends compounded daily and credited monthly. Bump-up certificates allow the owner to request one rate increase for the remainder of the term if the rate NIHFCU is paying on certificates of the same term increase while the certificate is open. Tax penalties may apply to IRA contributions or withdrawals. Consult a tax adviser.
* 12 month jumbo certificate is not available as an IRA certificate. This certificate cannot be opened on-line. Please visit any NIHFCU branch or call 1-800-877-6440 for support and to open.
