IRA Term Certificate | Retirement Savings Account

Round out your retirement plan

Looking for a low-risk, tax-advantaged account as part of your overall retirement savings strategy? An IRA term certificate from Self-Help could be the perfect fit. Enjoy higher dividend rates, guaranteed returns, and valuable tax benefits — all while supporting investments in your community.

Enjoy tax advantages: Certificates can be part of Traditional or Roth IRAs*

Higher dividend rates than standard savings accounts

Choose saving terms ranging from one to five years

Low-risk: Guaranteed earnings as long as funds stay in account until maturity date**

Let's get you on the right path

So you're sold on the idea of IRA term certificates. Now it's time to decide whether your term certificate savings will be held in a traditional or Roth IRA. Not sure what’s right for you? Give us a call or reach out to your local branch. Our team can help you understand your options.

Let's get you on the right path

Enjoy tax advantages: Certificates can be part of Traditional or Roth IRAs*

Higher dividend rates than standard savings accounts

Choose saving terms ranging from one to five years

Low-risk: Guaranteed earnings as long as funds stay in account until maturity date**

Feel 100% confident your retirement funds will be there when needed

There are a lot of ways to save for retirement. Some investments involve risk. Others, like IRA certificates, are totally secure, with deposits protected by a federal government agency. So if you want to spend more time working on your bucket list and less time worrying about your money, IRA certificates are a good, safe bet.

$500 minimum deposit to open
Earn dividends at the same rate as a standard term certificate
Terms range from 1 year to 5 years
You may forfeit some dividends if you withdraw funds before a certificate maturity date,** but your initial deposit is never at risk
Funds are insured by the National Credit Union Administration (NCUA) to protect your investment

Ready to apply?

Contact your local branch or call our member support center to open an IRA term certificate.

Resources to help you grow and thrive

Financial Counseling

Credit Builder Loans

*Consult a tax advisor.

**Early withdrawal penalties apply: 90 days on terms of 12 months or less; 180 days on terms greater than 12 months.