Savings & Checking

Share (Savings) Accounts

Regular Share Account

  • A dividend-earning account that establishes NIHFCU membership.
  • Make this initial $25 minimum deposit and, as long as you maintain this balance, you’re a member of NIHFCU for life and can enjoy all the benefits of membership.

Premium Share Account

  • Open this account and earn a higher rate of return for balances of $5,000 or more.
  • Compared to similar accounts at most other area institutions, this account (at the $5,000 minimum) is likely to earn up to 8X more than you’ll find elsewhere.
  • Fill out an application, visit any branch location or call our Telephone Service Center to get started.


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