Credit union · NCUA insured
NIHFCU CD Rates
NIHFCU’s best CD rate is 5.00% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How NIHFCU’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where NIHFCU has the most branches. $10,000, best rate first.
This credit union’s best
NIHFCU
4.25%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $425
Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
NIHFCU CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo3.63%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where NIHFCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate
Up to 4.25%APY · 10 terms
Dividends compounded daily and credited monthly. Early withdrawal penalties apply. Renewal rates at maturity will be at the prevailing rates and may be higher or lower than the maturing certificate rate.
| Term | APY · $500 and up | APY · $500 – $500 | APY · $10,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 3.63% | — | — | — | 3.63% | $89 |
| 6 months | 3.38% | — | 3.38% | — | 3.38%3.38% from $10k | $167 |
| 6 monthsPrimary owner must be age 17 or younger. Available only for new certificates with balance of $500. Limit is one 5.00% APY Youth Saver Certificate per member. Not available as an IRA. If rollover option is chosen at maturity, renews at the prevailing rate of regular 6-month certificate | — | 5.00% | — | — | —5.00% $500–$500 | — |
| 9 months | — | — | 4.00% | — | 4.00% | $299 |
| 12 months | 4.25% | — | 4.25% | — | 4.25%4.25% from $10k | $425 |
| 12 months12-month jumbo certificate cannot be opened online. Visit any branch or call 1-800-877-6440 for support | — | — | — | 4.75% | —4.75% from $100k | — |
| 15 monthsBump-up certificates allow the owner to request one rate increase for the remainder of the term if prevailing rate increases. Must be requested via Bump-Up form | 4.25% | — | 4.25% | — | 4.25%4.25% from $10k | $534 |
| 18 months | 3.75% | — | — | — | 3.75% | $568 |
| 24 months | 3.75% | — | 3.75% | — | 3.75%3.75% from $10k | $764 |
| 30 monthsBump-up certificates allow the owner to request rate increases (up to 2 times on a 30-month certificate) if prevailing rate increases. Must be requested via Bump-Up form | 3.50% | — | 3.50% | — | 3.50%3.50% from $10k | $898 |
| 36 months | 4.00% | — | — | — | 4.00% | $1,249 |
| 60 months | 3.50% | — | — | — | 3.50% | $1,877 |
Special-purpose accounts
IRA Certificate
Up to 4.50%APY · 10 terms
NIHFCU IRA products are not available online. Please stop by any branch or call 1-800-877-6440 to start an IRA account. Available as Traditional and Roth IRAs. Early withdrawal penalties apply for certificate accounts. Dividends compounded daily and credited monthly. Tax penalties may apply to IRA contributions or withdrawals. Annual contribution limits may apply. Consult with legal, tax and accounting professionals.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 3.88% | — | — | 3.88% | $95 |
| 6 months | 3.63% | 3.63% | — | 3.63%3.63% from $10k | $180 |
| 9 months | — | 4.25% | — | 4.25% | $317 |
| 12 months | 4.50% | 4.50% | — | 4.50%4.50% from $10k | $450 |
| 12 months12-month jumbo certificate cannot be opened online. Visit any branch or call 1-800-877-6440 for support | — | — | 5.00% | —5.00% from $100k | — |
| 15 monthsBump-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. Must be requested via a Bump-Up form; NIHFCU will not make automatic increases | 4.50% | 4.50% | — | 4.50%4.50% from $10k | $566 |
| 18 months | 4.00% | — | — | 4.00% | $606 |
| 24 months | 4.00% | 4.00% | — | 4.00%4.00% from $10k | $816 |
| 30 monthsBump-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. Must be requested via a Bump-Up form; NIHFCU will not make automatic increases | 3.75% | 3.75% | — | 3.75%3.75% from $10k | $964 |
| 36 months | 4.25% | — | — | 4.25% | $1,330 |
| 60 months | 3.75% | — | — | 3.75% | $2,021 |
Sources (2)
All captured Oct 15, 2026
Who can join NIHFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Applicants can qualify for NIHFCU membership by accepting a complimentary membership to the American Consumer Council opened on their behalf by NIHFCU.
Employers and groups
- Employees, members, students, faculty, staff, or affiliates of designated NIHFCU@work partner organizations are eligible for membership.
Military, government and schools
- Affiliation with the National Institutes of Health as an employee, contractor, fellow, volunteer, or retiree/pensioner qualifies for membership.
Family and household
- Immediate family members (child, sibling, parent, grandchild, grandparent) or individuals sharing household responsibility with a current NIHFCU member are eligible for membership.
Cost to join
- A required $1 deposit is made by NIHFCU to open membership.
Membership information collected October 4, 2026.