Retirement Savings

IRA Share Savings Account

  • Competitive rates
  • No minimum deposit
  • No minimum to earn dividends
  • No fees (initiation or maintenance)
  • Earnings accumulated are tax deferred (See a tax adviser for more information)
  • View Current Rate


All savings and investment accounts at Belvoir Federal are federally insured up to $250,000.00 by the National Credit Union Administration (NCUA), an agency of the United States Government. IRA deposits are insured separately to $250,000.00 by NCUA.


IRA Certificates

Purchasing an IRA Certificate is like securing a nest egg that has a high rate of return. All savings and investment accounts at Belvoir Federal are federally insured up to $250,000.00 by the National Credit Union Administration (NCUA), an agency of the United States Government. IRA deposits are insured separately to $250,000.00 by NCUA.

  • $1,000.00 initial deposit
  • Fixed rate term
  • Dividends earned on IRA Share Certificates are tax deferred
  • View Current Rate

Rates are the same as on a Share Certificate and may change on the 1st and 15th of the month until you lock in a rate for the term.

What’s the difference between a Roth IRA and an Educational IRA Certificate?

Roth IRA Certificates Education IRA Certificates
$1,000.00 minimum deposit $500 minimum balance _(1 year term)
1, 2, and 3 year terms available Contributions are not tax-deductible but earnings will accumulate tax-free1
Higher rates than a regular IRA Certificate Set up for a specific child’s benefit
Current rates Current rates

1 Withdrawals are tax-free if the distribution is used within the tax year to pay higher education expenses for the child before the age of 30