Certificates, IRA Certificates, Savings & Money Market
Certificate Rates
Rates effective November 1, 2025.
| Account Type* | APY* | Dividend Rate | Minimum Deposit |
|---|---|---|---|
| 6 months | 3.25% | 3.21% | $500.00 |
| 12 months | 3.45% | 3.40% | $500.00 |
| 18 months | 3.45% | 3.40% | $500.00 |
| 24 months | 3.45% | 3.40% | $500.00 |
| 36 months | 3.50% | 3.45% | $500.00 |
| 48 months | 3.55% | 3.50% | $500.00 |
| 60 months | 3.60% | 3.55% | $500.00 |
*For all regular, & IRA, & certificate specials. Annual Percentage Yield. Members under age 18 may open certificates for 6 months or more with just $250.00. Otherwise, the minimum to open and earn the stated dividends is $500.00. A substantial penalty is imposed for withdrawal of principal in certificates prior to maturity. Fees could reduce earnings. Regular deposits insured to at least $250,000; by the NCUA, an agency of the Federal Government. All rates and terms are subject to change without notice.
*Annual Percentage Yield. Otherwise, the minimum to open and earn the stated dividends is $500.00. A substantial penalty is imposed for withdrawal of principal in certificates prior to maturity. Fees could reduce earnings. Regular deposits insured to at least $250,000; by the NCUA, an agency of the Federal Government. All rates and terms are subject to change without notice.
To apply for an IRA Certificate please contact us at 603-224-7731.
Share (Savings), Purpose Savings, Everything Clubs, & IRA Share Rates
Rates effective November 1, 2025.
| Account Type | APY* | Dividend Rate | Minimum Balance | |
|---|---|---|---|---|
| (Savings) Shares | .05% | .05% | $5 to open/earn dividends | |
| Purpose Savings & Club Accounts | .05% | .05% | $1.00 to open/no minimum to earn dividends | |
| IRA Shares | .05% | .05% | $1.00 to open/no minimum to earn dividends |
*Annual Percentage Yield. Rates could change after the account is open. Dividends are based on earnings and cannot be guaranteed. Fees may reduce earnings. Regular deposits insured to $250,000; by the NCUA, an agency of the Federal Government. The annual percentage yield is accurate as of the last dividend declaration date.
Money Market Share Accounts
Rates effective November 1, 2025.
| Account Type | APY* | Dividend Rate | Minimum Balance | |
|---|---|---|---|---|
| Money Market less than $2,500 | .05% | .05% | <$2,500 | |
| Money Market $2,500 | .10% | .10% | $2,500 | |
| Money Market $25,000 | .15% | .15% | $25,000 | |
| Money Market $50,000 | .20% | .20% | $50,000 | |
| Money Market $100,000 | .25% | .25% | $100,000 |
*Annual Percentage Yield. Rate could change after the account is open. All rates and terms are subject to change without notice. Dividends are based on credit union earnings and cannot be guaranteed. Regular deposits insured to $250,000; by the NCUA, an agency of the Federal Government. The annual percentage yield is accurate as of the last dividend declaration date. Fees could reduce earnings.
Hero’s Honors High-Yield Savings Accounts
Rates effective November 1, 2025.
| Account Type | APY* | Dividend Rate | Minimum Balance |
|---|---|---|---|
| Hero's Honors High Yield Account up to $25,000 | 0.70% | 0.70% | $1.00 |
| Hero’s Honors High-Yield Savings Account $25,000.01-$50,000.00 | 1.15% | 1.14% | $25,000.01 |
| Hero’s Honors High-Yield Savings Account $50,000.01 or greater | 2.00% | 1.99% | $50,000.01 |
*Annual Percentage Yield. This is a variable rate account, and rates are subject to change without prior notice. Dividends are based on credit union earnings and cannot be guaranteed. Fees may reduce earnings. The annual percentage yield is accurate as of the last dividend declaration date.
NHFCU’s Hero’s Accounts are available for: active or retired members of the US Army, Marine Corps, Navy, Air Force, Space Force, Coast Guard & National Guard; First Responders, including public, private, retired, and volunteer law enforcement officers, firefighters, paramedics, and EMTs; Medical Professionals, including all medical doctors (MDs), physician’s assistants/associates (PAs), registered nurses (RNs), certified nursing assistants (CNAs), licensed practical nurses (LPNs), and advanced practice registered nurses (APRNs).
EXISTING MEMBERS – APPLY FOR A HERO’S HONORs High-Yield Savings Account
NEW MEMBERS – APPLY FOR A HERO’S HONORS HIGH-YIELD SAVINGS ACCOUNT
