IRA's

Take the worry out of retirement by starting to save for it today. An Individual Retirement Account (IRA) is a Money Market or Term Certificate account with government-established rules that help you save for retirement.


A major benefit to an IRA is that it allows your money to grow tax deferred and sometimes tax free! This means that the funds that would have been paid as taxes can continue to accumulate in your account instead.
iSAVE IRABalance Required to Earn DividendDividendAPY*
iSAVE IRA 12 Month Introductory Rate¹$100.00 - $500,000.003.977%4.050%
iSAVE IRA w/ Active iSAVE Checking²$100.00 - $500,000.002.960%3.000%
iSAVE Base Rate³$100.00 - $500,000.002.472%2.500%
IRAClassicPremier
Most Recent Quarter Dividend (adjusted quarterly at the end of the quarter)DividendAPY¹DividendAPY¹
$100.00 to $99,999.99 0.599%0.600%0.748%0.750%
$100,000.00 to $499,999.99 0.643%0.650%0.897%0.900%
$500,000.00 and above 0.748%0.750%0.947%0.950%

* APY is Annual Percentage Yield effective January 1, 2023 and is subject to change. ¹Advertised APY is for new accounts guaranteed for 12 months and subject to change after the introductory period. Fees may reduce earnings. Account must be opened and funded with new money only (not currently on deposit at BHCU). Limit of one iSAVE IRA account per member. Promotional introductory rate and terms are subject to change or cancellation at any time, contact BHCU for details. ²After the introductory period to obtain dividend and APY, you must be the primary owner of an active iSAVE Checking account. To be considered an active iSAVE Checking, you must complete at least one qualifying transaction in the month. A qualifying transaction is an ACH into your iSAVE Checking, make a payment using bill pay from your iSAVE Checking, or make a debit card purchase from your iSAVE Checking. ³After the introductory period the iSAVE IRA base rate will be applied to all accounts without an active iSAVE Checking. Federally Insured by NCUA.

Contact a member service representative for further information about applicable fees and terms. For variable rate accounts, the rate may change after the account is opened. A.P.Y. is Annual Percentage Yield effective January 1, 2022 and is subject to change.

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