Flexible and reliable savings options MONEY MARKETS CERTIFICATES YOUTH CERTIFICATE OPEN ACCOUNT Money Market accounts offer flexibility 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 (Note: As of 4/29/2020 and during the COVID-19 pandemic, the 6 withdrawal limit has been been temporarily suspended.) Current rates up to 0.030% APY8. Visit our rates page for all rates and terms. You can open your account online, in person or by mail. Call US 1-800-877-6440 OPEN AN ACCOUNT Financial wellness begins and ends with the facts. Here’s what you need to know! 1Example rate is for 60-month certificate with a minimum deposit of $500. 2 APY=Annual Percentage Yield. Rates as of 5/01/2021. 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. (As of 4/29/2020, and during the COVID-19 pandemic, this limit on withdrawals has been temporarily suspended). 8 Example rate is for deposits of $25,000 or more. APY=Annual Percentage Yield. Dividends are credited and compounded monthly. Rates as of 5/01/2021 and subject to change without notice. Fees could reduce account earnings. Contact Information NIH Federal Credit Union PO Box 6475 Rockville, MD 20849-6475 1-800-877-6440 1-301-881-5822 (TDD/TTY) Send an Email More Contact Information Follow Us: Legal Information Disclosures Accessibility Privacy Policy NIHFCU NMLS #803678 Routing# 255076944 NCUA – Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. EHO – We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act. © 2021 NIH Federal Credit Union