Certificate Rates
| Term | Minimum Deposit | APY1 | Dividend Rate |
|---|---|---|---|
| Featured Certificate 3 Month |
$500 | 3.875% | 3.803% |
| 6 month Youth Saver | $500 only | 5.000% | 4.880% |
| 6 month | $500 | 3.625% | 3.561% |
| 12 month | $500 | 2.875% | 2.834% |
| 15-Month Bump-Up | $500 | 2.000% | 1.980% |
| 18 Month | $500 | 2.250% | 2.225% |
| 24 Month | $500 | 2.250% | 2.225% |
| 30 Month Bump-Up | $500 | 2.000% | 1.980% |
| 36 Month | $500 | 3.100% | 3.053% |
| 60 Month | $500 | 3.000% | 2.955% |
| 6 Month | $10,000 | 3.625% | 3.561% |
| 9 Month | $10,000 | 3.525% | 3.464% |
| 12 Month | $10,000 | 2.875% | 2.834% |
| 15 Month Bump-Up | $10,000 | 2.000% | 1.980% |
| 24 Month | $10,000 | 2.250% | 2.225% |
| 30 Month Bump-Up | $10,000 | 2.000% | 1.980% |
| 12 Month Jumbo* | $100,000 | 3.500% | 3.440% |
For IRA savings and IRA certificate rates, please click here.
Speak to NIHFCU
1-800-877-6440
Rates, fees and terms as of November 14, 2025 and subject to change without notice
Fees could reduce the account earnings.
1 APY=Annual Percentage Yield. 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 one 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 fund to existing certificate, as often as desired. Rate of added funds will be same as existing funds at contracted rate. Tax penalties may apply to IRA contributions or withdrawals. Consult a tax adviser.
* 12 month jumbo certificate is not available as an IRA certificate. This certificate cannot be opened on-line. Please visit any NIHFCU branch or call 1-800-877-6440 for support and to open.
