Grow your money with IRAs and CDs
Check out our full lineup of offerings and find the option that’s right for you.
IRA Options
Your contributions are 100% vested immediately and may be deductible for the year it is made depending on whether or not you participate in a retirement plan. Earnings grow tax-free until withdrawn. Distributions are required in the year you turn 73 (effective tax year 2023).
Earn Interest
No Monthly Service Fees
Minimum balance to open:
A Roth IRA allows annual non-deductible contributions. Earnings grow tax-free, and qualified distributions are tax-free after a five-year holding period. Mandatory distributions are NOT required.
Earn Interest
No Monthly Service Fees
Minimum balance to open:
Contributions to an Education IRA are not tax deductible. However, withdrawals that are made for a child’s higher education expenses are tax-free and penalty-free in the year they are taken.
Earn Interest
No Monthly Service Fees
Minimum balance to open:
Certificate of Deposit (CD) Options
A BNH Certificate of Deposit (CD) offers an alternative way to grow your savings. You choose the set period of time to earn a guaranteed fixed interest rate, regardless of market conditions.
Investing in a CD can provide peace of mind whether you’re saving for tomorrow, next year’s projects, college tuition, or retirement.
Multiple set period of time options: 5 MONTHS*, 10 MONTHS*, 6 MONTHS, 1 YEAR, 2 YEAR, 3 YEAR, 4 YEAR, 5 YEAR
*Specials can end at any time. Minimum balance required to earn listed APY is $5,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance.
Please note funding for Certificate of Deposit accounts opened online are limited to a maximum of $100,000. Should you wish to fund this account with more than the allowed maximum amount, please contact us at 1.800.832.0912 to discuss your options.
The easiest way to renew your Bank of New Hampshire CDs is online. Skip the trip to a branch and take care of it in just a few clicks—quick, simple, and on your time.
Click here for Consumer Deposit Rates.
Get started today.
Build a secure financial future with programs that help you save money for the short or long term. You’ve got plans and we’ve got your back.