Earn a higher rate of return compared to a savings account. With no term requirement, your money is available simply by writing a check or making a transfer.7
No minimum deposit
Competitive rate of return with no term requirement
Earn even more with tiered rates ($25,000+ balances earn the most)
No monthly fee
Up to six (6) penalty-free withdrawals per month
Certificates typically earn the highest rate of return compared with other savings options. Often called CDs (Certificates of Deposit), they’re a good fit to earn a guaranteed return on funds not needed for immediate use.
Guarantee a fixed rate of return
Lock in your rate when you open your certificate
Open with a deposit as low as $500
Choose a term of 3 - 60 months
Most available as traditional or Roth IRAs
Current rates as high as 2.45% APY1,2.
Visit our rates page for featured certificates and all available rates and terms.
Special Certificate Options
Add-on: Add funds to your existing certificate anytime during a 15-month certificate term.4
Bump-up: If rates increase, you can increase (“bump up”) your rate one time during a 15-month certificate term or two times during a 30-month certificate term5
Open your account online,or at any branch. To open by mail, complete and return a certificate request form.
Help your young loved ones develop positive savings habits with this special certificate offer. Available for NIHFCU members age 17 and under, it offers.
5.00% APY on a $500 deposit6
To open a High-Five Youth Saver Certificate, stop by any branch or complete and return this application.
1Example rate is for 24-month certificate with a minimum deposit of $10,000.
2 APY=Annual Percentage Yield. Rates as of June 1, 2019. Offers, rates and terms subject to change or cancellation 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. Bump-up certificates allow the owner to request 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 funds to existing certificate, as often as desired. Rate on added funds will be same as on existing funds. Tax penalties may apply to IRA contributions or withdrawals. Consult a tax adviser.
4 Must be requested via a Certificate Request form
5 Must be requested via a Bump-Up form; NIHFCU will not make automatic increases.
6 APY=Annual Percentage Yield. Available only for new certificates with balance of $500. The primary owner of the High-Five 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.
7 Up to six (6) penalty-free withdrawals per month can be made from your Money Market Account after which penalties or account termination may result.
8 Example rate is for deposits of $25,000 or more. APY=Annual Percentage Yield. Dividends are credited and compounded monthly. Rates as of 09/20/18 and subject to change without notice. Fees could reduce account earnings.
© 2019 NIH Federal Credit Union