Home » Personal » Checking & Savings » Certificates » Certificate Specials
certificate promos

Summer Certificate Specials

Earn a solid rate on these limited-time specials

12 Month – New Money

  • APY*: 2.25%
  • Minimum deposit: $500 (new money to NIHFCU only)
  • Term: 12 months
  • Available as traditional or Roth IRAs


15 Month Bump-Up
  • APY*: 1.50%
  • Minimum deposit: $10,000
  • Term: 15 Months
  • Increase your certificate rate if rates rise during your certificate term (one bump up allowed)**
  • Available as traditional or Roth IRAs


10 Month
  • APY*: 1.25%
  • Minimum deposit: $10,000
  • Term: 10 Months
  • Available as traditional or Roth IRAs


High-Five Youth Saver
  • APY***: 5.00%
  • Deposit only: $500
  • Term: 5 Months
  • Account holder must be age 17 or younger
  • Limit is one certificate per member.
 or visit any NIHFCU branch.

* 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 featured certificate available only for money not currently on deposit at the NIHFCU. 15 month bump-up certificate allows holder to request a one-time 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. Tax penalties may apply to IRA contributions or withdrawals. Consult a tax advisor. Visit nihfcu.org for additional terms and details.

** Must be requested via a Bump-Up form; NIHFCU will not make automatic increases.

*** APY=Annual Percentage Yield. Available for new certificates 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 . Rate available 7/1/2018 - 9/4/2018. This offer is subject to change or cancellation by NIHFCU at any time without notice. Early withdrawal penalties apply.