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
Current rates as high as 1.765% 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.
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.)
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
To open a Youth Saver Certificate, stop by any branch or complete and return this application.