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.

• Increase your certificate rate by 0.25% with direct deposit or a monthly reoccurring payment of $1,000 or more to a qualified deposit account.
• 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)

Express Funds Privilege — NIHFCU certificate holders can now enjoy the convenience of immediate check fund availability with our new Express Funds Privilege program. With this program, members can avoid a check hold on checks with amounts equal to or less than half of their current NIHFCU certificate balance.* For example, if you have a $10,000 certificate, Express Fund Privilege would allow you to avoid check holds on any check you deposit at NIHFCU up to $5,000.

*Maximum Express Funds Privilege is $50,000. Program subject to change without notice. Other restrictions apply.

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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. note: for a limited time, the 30-month IRA certificate allows 2 bump-ups during its 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).

At NIHFCU, your shares and certificates are federally insured to at least $250,000 by the National Credit Union Administration, a United States government agency. IRAs are insured separately up to $250,000. (click here for additional details) Shares and certificates are insured up to an additional $250,000 by Excess Share Insurance, a private company. IRAs are insured separately up to an additional $250,000.