mature couple smiling while looking at laptop together

NIHFCU Certificates

Guaranteed Returns for your Savings Goals

Give your savings a big boost right now with new certificate rates worth celebrating.

Featured Traditional Certificates

12 Month “Jumbo” certificate  

  • 4.75% APY 1 (requires $100K to open)

12 Month “Regular” certificate

  • 4.25% APY 1 (requires just $500 to open)

15 Month “Bump Up” certificate 

  • 4.25% APY 1 (requires just $500 to open)

With a Bump Up certificate, should rates increase during the certificate term, opt to “bump up” to the prevailing rate.

Open a certificate!
Happy woman at laptop making yes gesture with both hands

Learn more about NIHFCU certificates and other great rates and terms!

Featured IRA Certificates (Regular or Roth)

12 Month IRA “Jumbo” certificate  

  • 5.00% APY 1 (requires $100K to open)

12 Month IRA “Regular” certificate

  • 4.50% APY 1 (requires just $500 to open)

15 Month IRA “Bump Up” certificate 

  • 4.50% APY 1 (requires just $500 to open)

With a Bump Up certificate, should rates increase during the certificate term, opt to “bump up” to the prevailing rate.

To open an NIHFCU IRA Certificate, call us at 800-877-6440 or stop by any branch.
couple sitting on couch laughing and viewing ipad

Learn more about NIHFCU IRA certificates and other great rates and terms!

Back to top

Disclosures

1)

APY=Annual Percentage Yield as of October 1, 2026 and subject to change at any time. Early withdrawal penalties apply. Fees may reduce earnings. Tax penalties may apply to IRA contributions or withdrawals. Consult a tax adviser.  To exercise the bump-up option on the Bump-Up Certificate. it must be requested via a Bump-Up form at the time you request the bump-up; NIHFCU will not make automatic increases.  Federally insured by the NCUA.

 

×