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Rates as of and subject to change without notice.


Term Minimum
Deposit
Base Rate1 Relationship Rate2
 APY  Dividend Rate
 APY  Dividend Rate
3 Month $500 0.010% 0.010%
0.260%
0.260%
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5 month Youth Saver
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$500 only 5.000% 4.880% 5.000% 4.880%
6 Month $500 0.075%  0.075% 0.325%
0.324%
7 Month $500 0.150%  0.150% 0.400%
0.399%
12 Month $500 0.150%  0.150%  0.400%  0.399%
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12 month
$500 (new money) 2.250% 2.223% 2.250% 2.223%
15 Month Bump-Up $500 0.150%  0.150%  0.400%  0.399%
15 Month Add-On $500 0.150%  0.150%  0.400%  0.399%
18 Month $500 0.150%  0.150%  0.400%  0.399%
24 Month $500 0.250% 0.250%
0.500%
0.499%
30 Month Bump-Up $500 0.250% 0.250% 0.500%  0.499%
36 Month $500 0.250% 0.250% 0.500%
 0.499%
60 Month $500 0.350% 0.349% 0.600%
0.598%
7 Month $10,000 0.250% 0.250% 0.500%
0.499%
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10 month
$10,000 1.250% 1.242% 1.25% 1.242%
12 Month $10,000 0.250% 0.250%
0.500%
0.499%
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15 Month Bump-Up
$10,000 1.500% 1.489%
1.500% 1.489%
15 Month Add-On $10,000 0.250%  0.250% 0.500%
0.499%
24 Month $10,000 0.350%  0.349%  0.600% 0.598%
30 Month Bump-Up $10,000 0.350%  0.349% 0.600%
0.598%
12 Month Jumbo* $100,000 0.350% 0.349%
0.600%
0.598%
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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 15 month certificate) or two rate increases (for 30 month certificate) 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 funds to existing certificate, as often as desired. Rate on added funds will be same as existing funds. 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 or other automatic 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 request only at time of certificate opening or renewal.  Maximum relationship rate increase is 0.25%.

*12 month jumbo certificate is not available as an IRA certificate.