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It's never too early to start saving for retirement. NIH Federal Credit Union offers IRA Savings and Certificate options to support your long-term financial goals. You can opt for Traditional IRAs which gives immediate tax deduction for your yearly deposit or Roth IRA, which offers tax-free withdrawals on earnings.

Premier IRA Savings Account

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.

Premier IRA Savings Account Details:

  • Open an account with as little as $25.
  • Enjoy a tiered rate structure - the more you save, the more you earn. 
  • Available as either a Traditional IRA or as a Roth IRA.
  • Contribute as often as you wish - contribute through payroll deductions. Annual contribution limits may apply - consult your tax advisor.
  • Insured up to $250,000.
  • See Rates

  • apply now
IRA Certificate Accounts

NIHFCU offers high-yield Traditional and Roth IRA Certificates that may be great additions to your overall retirement plan.

Featured Certificates
12 month (new money):
10 month:
15 month bump-up:
2.50% APY* ($500 minimum deposit)
1.50% APY ($500 minimum deposit)
1.75% APY ($500 minimum deposit)
  • Lock in a guaranteed rate of return for a variety of terms between 3 - 60 months. 
  • All certificates are available as either Traditional IRA or as Roth IRAs - except our 12 month Jumbo certificate.
  • No maintenance or administrative fees.
  • Insured up to $250,000.
  • See Rates

  • apply now or stop by any branch
Additional Options

Add-on Certificate
Make additional deposits into your existing certificate, as often as you would like. Available for a term of 15 months. Requires a $500 initial deposit ($10,000+ earns a higher rate). Must be requested via a Certificate Request form.

Bump-Up Option
Increase your certificate rate if rates rise. This is available one time during the certificate term. Available on 15 month term (one [1] bump-up allowed) and on 30 month term (two [2] bump-ups allowed). Must be requested via a Bump-Up form; NIHFCU will not make automatic increases.


NIHFCU does not provide tax advice. Consult your tax advisor for eligibility, contribution guidelines, and tax considerations.

*  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. 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.