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. 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.