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CDs and IRAs

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

Traditional IRA

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 Earnings grow tax-free until withdrawn.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:

  • Variable Rate IRA: $100
  • Certificate of Deposit IRA: $500
Roth IRA

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:

  • Variable Rate IRA: $100
  • Certificate of Deposit IRA: $500
Education IRA

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:

  • Variable Rate IRA: $100
  • Certificate of Deposit IRA: $500

Certificate of Deposit (CD) Options

BNH Certificate of Deposit (CD)

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. Not available for Online Account Opening. 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 Offer may be withdrawn at any time.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.

Click here for Consumer Deposit Rates.

  • I have been banking with BNH for over 60 years. Your employees in the Dover office are the best I have had, ever. The manager is very helpful when I need a question answered. The tellers are the best, and always engage in conversation when I walk in the door.

    Alan GoldfarbDover, NH
  • I always get great service with a smile! They recognize me and treat me like a friend. I wouldn’t consider going anywhere else.

    Richard R BrownMoultonborough, NH
  • I love this Bank! The customer service is above and beyond! The friendliness of the employees makes me enjoy going there! Love that they call me by name. A great hometown Bank!

    Jacquelyn CardaropoliAscutney, VT
  • Just love the friendliness and the knowledge of the banking services that Bank of New Hampshire provides.

    Brian and Tina SweetserABC Vending
    Merrimack, NH

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.