Savings & Money Market Accounts
Great options for all your savings goals.
Make Savings Part of Your DNA
Most Americans save little or no money at all. At the NIHFCU, we have easy and convenient options to help you start, maintain and grow your savings.
Earn Dividends
No Term Obligations
Digital Access
Federally Insured
Regular Share Account – Features & Benefits:
- This account is required to establish and maintain your NIHFCU membership.
- NIHFCU will make the $1 initial minimum deposit on your behalf to start your membership.
- Deposit additional funds during account opening or at any time.
Premium Share Account – Features & Benefits
- Open this account to get more from your NIHFCU savings.
- Start your Premium Share Account with as little as $5.00.
- Earn higher dividends on balances of $5,000 or more in this account.
Premier Advantage Money Market – Features & Benefits:
- Earn our best savings rates on our non-term (certificate) deposit options.
- No minimum balance required to open.
- Add to your balance at any time.
- Earn tiered rates with higher dividends for balances of $25,000 or more.
Learn more about our certificates with even higher rates.
Save for Something Special
You Name It Savings
- Save for a specific goal such as a vacation, a major purchase, or gift.
- Start with as little as $5.00.
- Add to it at your own pace, or withdraw funds when you reach your target.
Holiday Club Savings
- Plan ahead for holiday gifts and celebrations all year long.
- Start with as little as $5.00. Add to it via direct deposit or automatic transfers.
- On November 1, funds will automatically transfer to your share account for access.
Today’s Rates
|
Minimum Balance |
APY* |
Dividend Rate |
|---|---|---|
|
Rates, fees, and terms as of 01/24/2026 and subject to change without notice. *APY=Annual Percentage Yield. Dividends are credited and compounded monthly. Fees may reduce earnings. |
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|
Minimum Balance $1 and over |
APY* 0.010% |
Dividend Rate 0.010% |
|
Minimum Balance |
APY* |
Dividend Rate |
|---|---|---|
|
Rates, fees, and terms as of 01/24/2026 and subject to change without notice. *APY=Annual Percentage Yield. Dividends are credited and compounded monthly. Fees may reduce earnings. |
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|
Minimum Balance $5.00 – $4,999.99 |
APY* 0.010% |
Dividend Rate 0.010% |
|
Minimum Balance $5,000 and over |
APY* 0.030% |
Dividend Rate 0.030% |
|
Minimum Balance |
APY* |
Dividend Rate |
|---|---|---|
|
Rates, fees, and terms as of 01/24/2026 and subject to change without notice. *APY=Annual Percentage Yield. Dividends are credited and compounded monthly. Fees may reduce earnings. |
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|
Minimum Balance $0 – $9,999.99 |
APY* 0.010% |
Dividend Rate 0.010% |
|
Minimum Balance $10,000 – $24,999.99 |
APY* 0.100% |
Dividend Rate 0.100% |
|
Minimum Balance $25,000+ |
APY* 0.200% |
Dividend Rate 0.200% |
|
Minimum Balance |
APY* |
Dividend Rate |
|---|---|---|
|
Rates, fees, and terms as of 01/24/2026 and subject to change without notice. *APY=Annual Percentage Yield. Dividends are credited and compounded monthly. Fees may reduce earnings. |
||
|
Minimum Balance $5 |
APY* 0.010% |
Dividend Rate 0.010% |
|
Minimum Balance |
APY* |
Dividend Rate |
|---|---|---|
|
Rates, fees, and terms as of 01/24/2026 and subject to change without notice. *APY=Annual Percentage Yield. Dividends are credited and compounded monthly. Fees may reduce earnings. |
||
|
Minimum Balance $5 |
APY* 0.010% |
Dividend Rate 0.010% |
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.