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IRA and Certificate Rates

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Check today's IRA and IRA certificate rates

Rates effective as of 11/01/18. Interest rates and annual percentage yields may change after you open your account. Please see your account disclosure for additional details.

Term Minimum Deposit Base Rates1 Relationship Rates2
APY Dividend Rate APY Dividend Rate
3 Month $500 0.750% 0.747% 1.000% 0.995%
6 Month $500 1.000% 0.995% 1.250% 1.242%
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 1.750% 1.735% 1.750% 1.735%
15 Month Add-On $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 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%

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 APY Dividend Rate
$0-$5,000 0.340% 0.339%
$5,001-$25,000 0.500% 0.499%
$25,001 and above 0.750% 0.747%

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. Advertised rate for the 12 month certificate available for new money deposited at the NIHFCU. 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. Add-on certificates allow the owner to add fund to existing certificate, as often as desired. Rate of added funds will be same as existing funds at contracted rate. Tax penalties may apply to IRA contributions or withdrawals. Consult a tax adviser.

2 Relationship rates (if offered) apply if you have a minimum monthly direct deposit of $1,000 to a qualified NIHFCU account (checking, savings, or money market) OR NIHFCU membership of 20 years or more. Business accounts are not eligible for relationship dividend rates. Relationship rate available upon member request only at time of certificate opening or renewal. Maximum relationship rate increase is 0.25%