The nation's largest credit union serving the biomedical industry.
Home » Personal » Banking Products » IRAs » IRA Rates
Rates as of and subject to change without notice.

IRA Certificate Rates

Term Minimum Deposit Base Rates
Relationship Rates1
 APY  Dividend Rate
 APY  Dividend Rate
3 Month $500 0.260% 0.260% 0.510% 0.509%
6 Month $500 0.325% 0.324%
0.575% 0.573%
7 Month $500 0.400% 0.399%
0.650% 0.648%
12 Month $500 0.400% 0.399% 0.650% 0.648%
15 Month Bump-Up $500 0.400% 0.399% 0.650% 0.648%
15 Month Add-On $500 0.400% 0.399% 0.650% 0.648%
18 Month $500 0.400% 0.399% 0.650% 0.648%
24 Month $500 0.500% 0.499%
0.750% 0.747%
30 Month Bump-Up $500 0.500% 0.499% 0.750% 0.747%
36 Month $500 0.500% 0.499% 0.750% 0.747%
60 Month $500 0.600% 0.598%
0.850% 0.846%
7 Month $10,000 0.500% 0.499% 0.750% 0.747%
12 Month $10,000 0.500% 0.499% 0.750% 0.747%
15 Month Bump-Up $10,000 0.500% 0.499% 0.750% 0.747%
15 Month Add-On $10,000 0.500% 0.499% 0.750% 0.747%
24 Month $10,000 0.600% 0.598% 0.850% 0.846%
30 Month Bump-Up $10,000 0.600% 0.598% 0.850% 0.846%
APY=Annual Percentage Yield. Dividends are compounded daily and credited monthly.

Premier IRA Savings Account and Premier Roth IRA Savings Account

Balance Ranges APY Dividend Rate
$0-$5,000 0.150% 0.150%
$5,001- $25,000 0.200% 0.200%
$25,001 and above 0.300% 0.300%
APY=Annual Percentage Yield. Dividends are compounded and credited monthly.

Apply Now

1Your dividend rate will increase by 0.25% if you have a minimum monthly direct deposit or other automatic deposit of $1,000 to a qualified NIH Federal Credit Union account (checking, savings, or money market) OR NIHFCU membership of 20 years or more. Business accounts are not eligible for this dividend rate increase. Bonus applied upon member request at time of certificate opening or renewal.  Maximum bonus available is 0.25%.

APY=Annual Percentage Yield. Dividends are compounded daily and credited monthly for IRA Certificates. Dividends are compounded and credited monthly for Premier IRA Savings Accounts and Premier Roth IRA Savings Accounts. Quoted rates are for new money only and apply to both regular and IRA certificates. NIHFCU reserves the right to refuse certificate offer if applicant’s pattern of withdrawal or borrowing from NIHFCU indicates attempt to avoid “new money” requirement. Minimum required balance $10,000; maximum permitted balance $100,000 for regular certificates, no maximum for IRA certificates. Direct deposit must be full net paycheck or other regular monthly income. Early withdrawal penalties may apply. Tax penalties may apply to IRA contributions or withdrawals. Consult a tax adviser.

NIHFCU accounts are federally insured to at least $250,000 by the National Credit Union Administration, a United States government agency. IRAs are insured separately up to $250,000. For additional details, click here.