Rates
Certificate Rates
All certificates are available as Share, Traditional IRA, and Roth IRA certificates except where noted.* Click here for IRA certificate rates. To open a certificate, complete this form, call (301) 718-0208 or visit any NIHFCU branch location.
| Term | Minimum Balance | APY | Dividend Rate |
|---|---|---|---|
| 3 Month | $500 | .30% | .30% |
| 5 Mo. Youth Saver 1 | $500 | 5.00% | 4.88% |
| 6 Month | $500 | .70% | .70% |
| 7 Month | $500 | .90% | .90% |
| 7 Month | $10,000 | 1.00% | 1.00% |
| 12 Month | $500 | .95% | .95% |
| 12 Month | $10,000 | 1.05% | 1.04% |
| 12 Month Jumbo 2 | $100,000 | 1.25% | 1.24% |
| 15 Month Bump-Up | $500 | .90% | .90% |
| 15 Month Bump-Up | $10,000 | 1.00% | 1.00% |
| 15 Month Add-On | $500 | .90% | .90% |
| 15 Month Add-On | $10,000 | 1.10% | 1.09% |
| 18 Month | $500 | .90% | .90% |
| 24 Month | $500 | 1.00% | 1.00% |
| 24 Month | $10,000 | 1.10% | 1.09% |
| 30 Month Bump-Up | $500 | 1.00% | 1.00% |
| 30 Month Bump-Up | $10,000 | 1.10% | 1.09% |
| 36 Month | $500 | 1.00% | 1.00% |
| 60 Month | $500 | 1.10% | 1.09% |
| APY=Annual Percentage Yield. Rates effective as of September 1, 2010 and subject to change without notice. All certificates are compounded daily and credited monthly. Please see the bottom of this page for more information. |
Individuals can increase the above certificate rates by 0.25% with direct deposit or a monthly reoccurring payment of $1,000 or more to a qualified deposit account (bonus rate is not available for business certficates).
Fees may reduce the earnings on an account. Certificates are subject to substantial penalties for early withdrawal. Minimum balance must be maintained to obtain the disclosed yield and rate. Any annual percentage yield (APY) provided in this disclosure assumes dividends will remain on deposit until maturity, for accounts with terms, or for at least one year, for accounts with no terms. A withdrawal will reduce earnings. Fixed rates for accounts with specific maturities are in effect until maturity. Rates for variable rate accounts are in effect through the effective period disclosed. See your account disclosure for additional information about your account.
1 Youth Saver Certificate: Maximum deposit is $1,000. Primary account holder must be 17 yrs. or younger. This offer subject to termination by NIHFCU without notice. Limit one certificate per minor account/member (not available for business certificates)
2 12-month Jumbo certificate is not available as an IRA certificate.
Express Funds Privilege:
NIHFCU certificate holders can now enjoy the convenience of immediate check fund availability. 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.
At NIHFCU, your savings are federally insured to at least $250,000 and IRAs are insured separately up to $250,000 by the National Credit Union Administration, a United States government agency. Your savings and IRAs are insured up to an additional $250,000 by Excess Share Insurance, a private company.
