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Certificates offer guaranteed returns

Typically earns a higher rate of return compared with other options. Often called CDs (Certificates of Deposit), they’re a good fit to earn a guaranteed return on funds not needed for immediate use.

  • Guarantee a fixed rate of return

  • Lock in your rate when you open your certificate

  • Open with a deposit as low as $500

  • Choose a term of 3 – 60 months

  • Most available as traditional or Roth IRAs

Visit our rates page for featured certificates and all available rates and terms.

Special Certificate Options

  • Add-on: Add funds to your existing certificate anytime during a 15-month certificate term.4

  • Bump-up: If rates increase, you can increase (“bump up”) your rate one time during a 15-month certificate term or two times during a 30-month certificate term5

Open your account online, or at any branch. To open by mail, complete and return a certificate request form.

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Money Market accounts offer flexibility

Our Premier Advantage Money Market account earns a higher rate of return compared to a savings account. With no term requirement, your money is available by writing a check or making a transfer.7

  • No minimum deposit

  • Competitive rate of return with no term requirement

  • Earn even more with tiered rates ($25,000+ balances earn the most)

  • No monthly fee

  • Up to six (6) penalty-free withdrawals per month (Note: As of 4/29/2020 and during the COVID-19 pandemic, the 6 withdrawal limit has been been temporarily suspended.)

Current rates up to 0.030% APY8. Visit our rates page for all rates and terms. You can open your account online, in person or by mail.

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6 - Month Youth Saver Certificate

Help your young loved ones develop positive savings habits with this special certificate offer. Available for NIHFCU members age 17 and under, it offers.

  • 5.00% APY on a $500 deposit6

  • 6-month terms9

To open a Youth Saver Certificate, stop by any branch or complete and return this application.

Financial wellness begins and ends with the facts. Here’s what you need to know!
1Example rate is for 12-month certificate with a minimum deposit of $500.
2 APY=Annual Percentage Yield. Rates as of 8/10/2022. Offers, rates and terms subject to change or cancellation at any time without notice. Renewal rates at maturity will be at the prevailing rates and may be higher or lower than the maturing certificate rate. Early withdrawal penalties apply for certificate accounts. Dividends compounded daily and credited monthly. Bump-up certificates allow the owner to request rate increase 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 add funds to existing certificate, as often as desired. Rate on added funds will be same as on existing funds. Tax penalties may apply to IRA contributions or withdrawals. Consult a tax adviser.
4 Must be requested via a Certificate Request form
5 Must be requested via a Bump-Up form; NIHFCU will not make automatic increases.
6 APY=Annual Percentage Yield. Available only for new certificates with balance of $500. The primary owner of the High-Five Youth Saver Certificate must be a member age 17 or younger. Limit is one 5.00% APY Youth Saver Certificate per member. Not available as an IRA. This offer is subject to change or cancellation by the NIHFCU at any time without notice. Early withdrawal penalties apply.
7 Up to six (6) penalty-free withdrawals per month can be made from your Money Market Account after which penalties or account termination may result. (As of 4/29/2020, and during the COVID-19 pandemic, this limit on withdrawals has been temporarily suspended).
8 Example rate is for deposits of $25,000 or more. APY=Annual Percentage Yield. Dividends are credited and compounded monthly. Rates as of 8/10/2022 and subject to change without notice. Fees could reduce account earnings.
9 If the rollover option is chosen at maturity, the 6-Month Youth Saver certificate will renew at the prevailing rate of our regular 6-month certificate.