Check today's IRA and IRA certificate rates
Rates effective as of 5/12/2023. 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 |
|---|---|---|---|
| 3 Month | $500 | 1.750% | 1.735% |
| 6 Month | $500 | 4.125% | 4.043% |
| 12 Month | $500 | 2.750% | 2.713% |
| 15 Month Bump-Up | $500 | 2.000% | 1.980% |
| Featured Certificate 18 Month |
$500 | 3.350% | 3.295% |
| Featured Certificate 24 Month |
$500 | 3.000% | 2.956% |
| 30 Month Bump-Up | $500 | 2.850% | 2.810% |
| 36 Month | $500 | 2.800% | 2.762% |
| 60 Month | $500 | 2.750% | 2.713% |
| Featured Certificate 12 Month |
$10,000 | 3.500% | 3.440% |
| 15 Month Bump-Up | $10,000 | 2.000% | 1.980% |
| 24 Month | $10,000 | 3.000% | 2.956% |
| 30 Month Bump-Up | $10,000 | 2.850% | 2.810% |
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.
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.
