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Money Market and CD Rates

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Check today's money market and certificate rates

Rates effective as of 11/01/18. Interest rates and annual percentage yields may change after you open your account. Please see your account disclosure for additional details.

Premier Advantage Money Market – Individual & Business

Minimum Balance APY Dividend Rate
$0 - $9,999.99 0.200% 0.200%
$10,000 - $24,999.99 0.300% 0.300%
$25,000 & Above 0.400% 0.399%

APY=Annual Percentage Yield. Dividends are credited and compounded monthly.

Speak to NIHFCU
1-800-877-6440

Certificate Rates

Term Minimum Deposit Base Rates1 Relationship Rates2
APY Dividend Rate APY Dividend Rate
3 Month $500 0.500% 0.499% 0.750% 0.747%
5 month Youth Saver $500 only 5.000% 4.880% 5.000% 4.880%
6 Month $500 0.750% 0.747% 1.000% 0.995%
7 Month $500 0.150% 0.150% 0.400% 0.399%
12 Month $500 0.150% 0.150% 0.400% 0.399%
15 Month Add-On $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%
12 Month $10,000 0.250% 0.250% 0.500% 0.499%
15 Month Bump-Up $10,000 1.750% 1.735% 1.750% 1.735%
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%

For IRA savings and IRA certificate rates, please click here.

Speak to NIHFCU
1-800-877-6440

Fees could reduce the account earnings.

1 APY=Annual Percentage Yield. 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. 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%

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