
Certificates - rates as high as 4.500% APY and more*
Often called CDs (Certificates of Deposit), they’re a great fit to earn a higher return on funds not needed for immediate use.
Combine your NIHFCU funds with money you may have elsewhere to lock in a great rate and watch your savings grow!
Lock in a guaranteed fixed return
Options requiring as little as $500 to open
Choose a term of 3 – 60 months
Most available as traditional or retirement certificates
Featured Certificates (Visit our rates page for all available rates and terms)
4.50% APY *: 9 months, $10,000 minimum deposit
3.75% APY *: 6 months, $500 minimum deposit
3.35% APY *: 18 months, $500 minimum deposit
Learn more about our unique “6 Month Youth Saver” Certificate at 5.00% APY!
“Bump Up” Certificate Option
With this certificate, if rates increase during its term, you can “bump up” your rate 1X during a 15-month certificate term or 2X during a 30-month certificate term3
At NIHFCU, your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

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.4
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 0.200% APY5 . Visit our rates page for all rates and terms. You can open your account online, in person or by mail.
At NIHFCU, your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

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 terms7
To open a Youth Saver Certificate, stop by any branch or complete and return this application.
At NIHFCU, your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Rates, fees and terms as of November 30, 2023 and subject to change without notice