Certificates

A high-yield savings option with a guaranteed fixed rate of return. Your rate is locked in when it is opened – eliminating the volatility inherent in other investments.

• Generally earn greater dividends than any other deposit products.
• Available in terms of 3, 6, 7, 12, 15, 18, 24, 30, 36, and 60 months.
• Deposit requirements start as low as $500. Deposits of $10,000 or more earn an even higher yield.
• All certificates are also available as Traditional or Roth IRAs (except the 12 month Jumbo)

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Bump-Up Certificate

Earn a great yield today and, should rates climb, opt to “bump it up” to the prevailing rate. It provides a guaranteed high return with the flexibility to possibly earn even more!

• Available for terms of 15 and 30 months
• Requires a $500 initial deposit ($10,000+ earns a higher rate).
• Rate can be “bumped-up” one time during its term and will be the new rate for the balance of the term.
• Member must notify NIHFCU in writing to exercise the “bump-up” option. NIHFCU will not make automatic increases.

Add-On Certificate

Add to your principal as often as you would like during its term. It’s a great way to grow your savings, especially if you’re concerned that rates could fall.

• Available for a term of 15 months
• Requires a $500 initial deposit ($10,000+ earns a higher rate).

REMEMBER: At NIHFCU, your shares and certificates are federally insured to at least $100,000 and IRAs are insured separately up to $250,000 by the National Credit Union Administration, a United States government agency. Your shares, certificates and IRAs are insured up to an additional $250,000 by Excess Share Insurance, a private company.