Certificates
Guaranteed returns to earn more from your savings
Lock in a Great Rate with an NIHFCU Certificate
Earn our highest rates with a guaranteed return. Combine your NIHFCU funds with money from elsewhere, sit back, and watch your savings grow!
Guaranteed Fixed Return
$500 Minimum Deposit
Flexible Term Options
Federally Insured
Features & Benefits
- Lock in a great rate and APY* for the duration of your certificate’s term for a guaranteed return at maturity
- Choose a term of 3 – 60 months
- Open most with as little as $500
- Earn more for deposits of $10,000+.
- Jumbo rates are available for deposits of $100,000 or more for 12 months **
- Most also available as IRA’s.
Today’s Rates
|
Term |
Minimum Deposit |
APY* |
Dividend Rate |
|---|---|---|---|
|
All rates, fees, and terms as of 01/20/2026 and subject to change without notice. *APY=Annual Percentage Yield. 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. **12 month jumbo certificate cannot be opened online. Visit any branch or call 1-800-877-6440 for support. |
|||
|
Term 3 Month |
Minimum Deposit $500 |
APY* 3.750% |
Dividend Rate 3.682% |
|
Term 6 Month Youth Saver |
Minimum Deposit $500 only |
APY* 5.000% |
Dividend Rate 4.880% |
|
Term 6 Month |
Minimum Deposit $500 |
APY* 3.500% |
Dividend Rate 3.440% |
|
Term 12 Month |
Minimum Deposit $500 |
APY* 2.750% |
Dividend Rate 2.713% |
|
Term 15 Month Bump-Up |
Minimum Deposit $500 |
APY* 2.000% |
Dividend Rate 1.980% |
|
Term 18 Month |
Minimum Deposit $500 |
APY* 2.250% |
Dividend Rate 2.225% |
|
Term 24 Month |
Minimum Deposit $500 |
APY* 2.250% |
Dividend Rate 2.225% |
|
Term 30 Month Bump-Up |
Minimum Deposit $500 |
APY* 2.000% |
Dividend Rate 1.980% |
|
Term 36 Month |
Minimum Deposit $500 |
APY* 3.000% |
Dividend Rate 2.956% |
|
Term 60 Month |
Minimum Deposit $500 |
APY* 3.000% |
Dividend Rate 2.956% |
|
Term 6 Month |
Minimum Deposit $10,000 |
APY* 3.500% |
Dividend Rate 3.440% |
|
Term 9 Month |
Minimum Deposit $10,000 |
APY* 3.400% |
Dividend Rate 3.344% |
|
Term 12 Month |
Minimum Deposit $10,000 |
APY* 2.750% |
Dividend Rate 2.713% |
|
Term 15 Month Bump-Up |
Minimum Deposit $10,000 |
APY* 2.000% |
Dividend Rate 1.980% |
|
Term 24 Month |
Minimum Deposit $10,000 |
APY* 2.250% |
Dividend Rate 2.225% |
|
Term 30 Month Bump-Up |
Minimum Deposit $10,000 |
APY* 2.000% |
Dividend Rate 1.980% |
|
Term 12 Month Jumbo** |
Minimum Deposit $100,000 |
APY* 3.500% |
Dividend Rate 3.440% |
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
More Certificate Options & Features
Youth Saver Certificates
A special account to help your youth develop positive savings habits.
- 5.00% APY1
- $500 deposit
- 6 months2
Bump-Up Certificate
Should rates increase during your certificate term, you can opt to “bump up” to the prevailing rate3.
- 1 time on a 15-month certificate
- 2 times on a 30-month certificate
IRA Certificates
Most certificates are available as individual retirement accounts (IRA) to support your long-term objectives4.
- Traditional IRAs
- Roth IRAs
Ready to Start Saving?
Disclosures
All information as of 01/20/2026 and subject to change without notice.
-
1)
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.
-
2)
APY=Annual Percentage Yield. Available only for new certificates with balance of $500. The primary owner of the 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. Fees may reduce earnings.
-
3)
Must be requested via a Bump-Up form; NIHFCU will not make automatic increases. 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.
-
4)
Tax penalties may apply to IRA contributions or withdrawals. Consult a tax adviser.