Money Market accounts offer flexibility
Earn a higher rate of return compared to a savings account. With no term requirement, your money is available simply 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.)
Certificates offer guaranteed returns
Certificates typically earn the highest rate of return compared with other savings 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
Current rates as high as .100% APY1,2.
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.
High Five 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
To open a High-Five Youth Saver Certificate, stop by any branch or complete and return this application.