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Rates as of and subject to change without notice.


Term Minimum
Deposit
Base Rate Relationship Rate1
 APY  Dividend Rate
 APY  Dividend Rate
3 Month $500 0.010% 0.010%
0.260%
0.260%
6 Month $500 0.075%  0.075% 0.325%
0.324%
7 Month $500 0.150%  0.150% 0.400%
0.399%
12 Month $500 0.150%  0.150%  0.400%  0.399%
15 Month Bump-Up $500 0.150%  0.150%  0.400%  0.399%
15 Month Add-On $500 0.150%  0.150%  0.400%  0.399%
18 Month $500 0.150%  0.150%  0.400%  0.399%
24 Month $500 0.250% 0.250%
0.500%
0.499%
30 Month Bump-Up $500 0.250% 0.250% 0.500%  0.499%
36 Month $500 0.250% 0.250% 0.500%
 0.499%
60 Month $500 0.350% 0.349% 0.600%
0.598%
7 Month $10,000 0.250% 0.250% 0.500%
0.499%
12 Month $10,000 0.250% 0.250%
0.500%
0.499%
15 Month Bump-Up $10,000 0.250% 0.250%
 0.500% 0.499%
15 Month Add-On $10,000 0.250%  0.250% 0.500%
0.499%
24 Month $10,000 0.350%  0.349%  0.600% 0.598%
30 Month Bump-Up $10,000 0.350%  0.349% 0.600%
0.598%
12 Month Jumbo * $100,000 0.350% 0.349%
0.600%
0.598%
APY=Annual Percentage Yield. Dividends are compounded daily and credited monthly.

Fund Access Options

Express Funds Privilege Program

Access your money without the wait -- up to $50,000. Receive immediate check funds and avoid a check hold on checks with amounts equal to or less than half of their current NIHFCU certificate balance. Visit a branch for more details.

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.

Relationship rates apply if you have a minimum monthly direct deposit or other automatic deposit of $1,000 to a qualified NIH Federal Credit Union account (checking, savings, or money market) OR NIHFCU membership of 20 years or more. Business accounts are not eligible for this dividend rate increase. Bonus applied upon member request at time of certificate opening or renewal.  Maximum bonus available is 0.25%.


APY=Annual Percentage Yield. All certificates compounded daily and credited monthly. Early withdrawal penalties apply. Bump-up certificates allow the owner to request one or two rate increases for the remainder of the term if the rate NIHFCU is paying on certificates of the same term increase while the certificate is open. Add-on certificates allow the owner to make unlimited additional deposits during the term.

NIHFCU accounts are federally insured 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.

*12 month jumbo certificate is not available as an IRA certificate.