Certificates, IRA Certificates, Savings & Money Market

Certificates, IRA Certificates, Savings & Money Market

New Choice Certificate Special.  Earn up to 3.00% APY**!

For a limited time, when you open a Choice Checking account, you may also open a Choice Certificate for 17 months and earn up to 3.00% APY.  Here’s how:

Choice Checking with a Share Certificate:  2.50% APY

  • With a new NHFCU VISA credit card or a $500 balance transfer for existing accounts: 2.75% APY
  • With $5,000 new money deposited from another institution: 2.75% APY
  • With BOTH the VISA and $5,000 new money: 3.00% APY

What’s Choice Checking all about? Avoiding monthly fees! You’ll have free tools like online bill payer, remote deposit via mobile, and much, much more. With e-statements and 12 point-of-sale debit card purchases each month, there is no monthly fee for your checking!***

Certificate Rates

Rates effective November 29, 2022

Account TypeAPYDividend RateMinimum Deposit
Choice Certificate Special - 17 months**3.00%**2.96%$500.00
6 months0.30%0.30%$500.00
12 months0.40%0.40%$500.00
18 months0.40%0.40%$500.00
24 months0.45%0.45%$500.00
36 months0.55%0.55%$500.00
48 months0.65%0.65%$500.00
60 months0.65%0.65%$500.00

Members under age 18 may open certificates for 12 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.

**Annual Percentage Yield. Dividend Rate is 2.96% with a 3.00% APY, 2.72% with a 2.75% APY, and 2.48% with a 2.50% APY. Limit one Choice Certificate per member.  Members under age 18 may open certificates for 12 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.

***e-statements required.  If fewer than 12 point of sale debit transactions are completed in a statement cycle, a $10 service charge will apply.

IRA Certificate Rates

Rates effective November 29, 2022

Account TypeAPYDividend RateMinimum Deposit
Choice Certificate Special- 17 months** 3.00%**2.96%$500
12 months0.40%0.40%$500.00
24 months0.45%0.45%$500.00
36 months0.55%0.55%$500.00
48 months0.65%0.65%$500.00
60 months0.65%0.65%$500.00

Members under age 18 may open certificates for 12 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.

**Annual Percentage Yield. Dividend Rate is 2.96% with a 3.00% APY, 2.72% with a 2.75% APY, and 2.48% with a 2.50% APY. Limit one Choice Certificate per member.

***e-statements required.  If fewer than 12 point of sale debit transactions are completed in a statement cycle, a $10 service charge will apply.

Share (Savings), Clubs, & IRA Variable Rates

Rates effective November 1, 2022

Account TypeAPYDividend RateMinimum Balance
Shares.05%.05%$5 to open/earn dividends
Clubs.05%.05%$1.00 to open/no minimum to earn dividends
IRA Variable.05%.05%$1.00 to open/no minimum to earn dividends

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.

Money Market Share Accounts

Rates effective November 1, 2022

Account TypeAPYDividend RateMinimum 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

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.  Fees could reduce earnings.

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