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Rates as of and subject to change without notice.

Term Minimum Deposit Base Rates1
Relationship Rates2
 APY  Dividend Rate
 APY  Dividend Rate
3 Month $500 0.260% 0.260% 0.510% 0.509%
6 Month $500 0.325% 0.324%
0.575% 0.573%
7 Month $500 0.400% 0.399%
0.650% 0.648%
12 Month $500 0.400% 0.399% 0.650% 0.648%
Featured Certificate
12 month
$500 (new money) 2.250% 2.223% 2.250% 2.223%
15 Month Bump-Up $500 0.400% 0.399% 0.650% 0.648%
15 Month Add-On $500 0.400% 0.399% 0.650% 0.648%
18 Month $500 0.400% 0.399% 0.650% 0.648%
24 Month $500 0.500% 0.499%
0.750% 0.747%
30 Month Bump-Up $500 0.500% 0.499% 0.750% 0.747%
36 Month $500 0.500% 0.499% 0.750% 0.747%
60 Month $500 0.600% 0.598%
0.850% 0.846%
7 Month $10,000 0.500% 0.499% 0.750% 0.747%
Featured Certificate
10 Month
$10,000
1.250% 1.242% 1.250% <strong1.242%<></strong1.242%<>
12 Month $10,000 0.500% 0.499% 0.750% 0.747%
Featured Certificate
15 Month Bump-Up
$10,000 1.500% 1.489% 1.500% 1.489%
15 Month Add-On $10,000 0.500% 0.499% 0.750% 0.747%
24 Month $10,000 0.600% 0.598% 0.850% 0.846%
30 Month Bump-Up $10,000 0.600% 0.598% 0.850% 0.846%

Premier IRA Savings Account and Premier Roth IRA Savings Account

Balance Ranges APY Dividend Rate
$0-$5,000 0.150% 0.150%
$5,001- $25,000 0.200% 0.200%
$25,001 and above 0.300% 0.300%
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1  APY=Annual Percentage Yield. Offers, rates and terms subject to change or cancelation at any time without notice. Renewal rates at maturity will be at then 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. Advertised rate for the 12 month certificate available for new money deposited at the NIHFCU.  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.

2  Relationship rates (if offered) apply if you have a minimum monthly direct deposit of $1,000 to a qualified NIHFCU account (checking, savings, or money market) OR NIHFCU membership of 20 years or more. Business accounts are not eligible for relationship dividend rates. Relationship rate available upon member request only at time of certificate opening or renewal. Maximum relationship rate increase is 0.25%