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For growing your money with a guaranteed fixed rate of return, a Certificate Account is hard to beat. Your NIH Federal Credit Union rate is locked in when it is opened – eliminating the volatility inherent in other investments. Click here for IRA Certificates.

Online account opening now available! Current members with online banking can open a Certificate online. Click here for further information and to access online banking.

Certificate Account Features

  • Savings option that typically earns the highest rate of return
  • Open with as little as $500. Open with $10,000 or more for an even higher yield.
  • Lock in a guaranteed rate of return for a variety of terms between 3 - 60 months.
  • Most certificates are available as Traditional or Roth IRAs.
Additional Options
  • Add-on Certificate
    Add funds to into your existing certificate, as often as you would like. Available for a term of 15 months.
  • Bump-Up Certificate
    Increase your certificate rate if rates rise during your certificate term. Available on 15 month term (one [1] bump-up allowed) and on 30 month term (two [2] bump-ups allowed).
Open an Account Today

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By Mail
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In Person:
Visit Any Branch

How much will my CD be worth at maturity?
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Investment & Brokerage Services Now Available with NIHFCU Wealth Advisors
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Resources to Support a Healthy Financial Future
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*Rates are subject to change without notice.  Early withdrawal penalties apply for certificate accounts.

Federally insured up to at least $250,000 by the National Credit Union Administration, a United States government agency. IRAs are insured separately up to $250,000. For additional details, click here.