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.
| Fixed Rate Term Share/IRA Certificates | Minimum Balance | Annual Percentage Yield (APY) | Dividend Rate | Compounded Daily and Credited |
|---|---|---|---|---|
| 3 Mo. (91 days) | $500 & OVER | 1.75% | 1.74% | Monthly |
| 6 Mo. (182 days) | $500 & OVER | 2.00% | 1.98% | Monthly |
| 7 Mo. (213 days) | $500 & OVER | 2.10% | 2.08% | Monthly |
| 7 Mo. (213 days) | $10,000 & OVER | 2.60% | 2.57% | Monthly |
| 12 Month | $500 & OVER | 2.35% | 2.32% | Monthly |
| 12 Month | $10,000 & OVER | 2.80% | 2.76% | Monthly |
| 12 Month Jumbo1 | $100,000 & OVER | 3.00% | 2.96% | Monthly |
| 15 Month Bump-Up | $500 & OVER | 2.50% | 2.47% | Monthly |
| 15 Month Bump-Up | $10,000 & OVER | 3.00% | 2.96% | Monthly |
| 15 Month Add-On | $500 & OVER | 2.50% | 2.47% | Monthly |
| 15 Month Add-On | $10,000 & OVER | 3.00% | 2.96% | Monthly |
| 18 Month | $500 & OVER | 2.50% | 2.47% | Monthly |
| 24 Month | $500 & OVER | 2.70% | 2.67% | Monthly |
| 24 Month | $10,000 & OVER | 2.95% | 2.91% | Monthly |
| 30 Month Bump-Up | $500 & OVER | 2.75% | 2.71% | Monthly |
| 30 Month Bump-Up | $10,000 & OVER | 3.10% | 3.05% | Monthly |
| 36 Month | $500 & OVER | 3.10% | 3.05% | Monthly |
| 60 Month | $500 & OVER | 3.60% | 3.54 | Monthly |
| Rate effective as September 1, 2008. Rates are subject to change without notice. Please see the bottom of this page for more information. |
1 Not available as an IRA certificate
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.
At NIHFCU, your savings 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 savings and IRAs are insured up to an additional $250,000 by Excess Share Insurance, a private company.
