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IRA Term Certificates

Build tax savings into your retirement planning. Open a term certificate within your Individual Retirement Account (IRA) to set aside your savings and benefit from distinct tax advantages.* Our IRA term certificates are low-risk and earn dividends at the same competitive rates as our free-standing term certificates, but contribute towards your retirement savings.

Benefits of our IRA Term Certificates

  • Tax-advantaged* savings
  • Earn dividends at the same rate as a standard term certificate
  • Terms range from 1 year to 5 years
  • Early withdrawal penalties apply**
  • Funds are NCUA-insured (up to $250,000) to protect your investment
  • $500 minimum deposit to open
*Consult a tax adviser.
**90 days on terms of 12 months or less. 180 days on terms greater than 12 months.
ira term

How to Apply 

IRA Term Certificate

Interested in an IRA Term Certificate? First, make sure you become a Self-Help member. Then visit your local branch office or talk directly to a credit union representative on how to invest through our IRA Term Certificates.