Investment Rates
Share Certificate Rates
Effective 07/01/2025
| Term | NFCU: $1,000-$74,999 | NFCU: $75,000 & over |
|---|---|---|
| 3 Months | 3.44% | 3.44% |
| 6 Months | 4.04% | 4.04% |
| 12 Months | 4.06% | 4.06% |
| 18 Months | 3.82% | 3.82% |
| 2 Years | 3.78% | 3.78% |
| 3 Years | 3.70% | 3.70% |
| 4 Years | 3.46% | 3.46% |
| 5 Years | 3.63% | 3.63% |
All rates stated as APY (Annual Percentage Yield).
Rates are subject to change without notice.
Certificate Rates are set for the term of the account.
$1,000 minimum balance required. Early withdrawal penalty applies.
Early withdrawal penalty applies.
Money Market Rates
Effective 07/01/2025
| Amounts | Rate | APY** |
|---|---|---|
| $25.00 - $4,999 | 1.94% | 1.94% |
| $5,000 - $9,999 | 2.44% | 2.44% |
| $10,000 - $19,999 | 2.94% | 2.94% |
| $20,000 & Up | 3.44% | 3.44% |
All rates stated as APY (Annual Percentage Yield).
Rates are subject to change without notice.
IRA Term Certificates are set for the term of the account.
$1,000 minimum balance required. Early withdrawal penalty applies.
IRA Daily Account
Effective 01/01/2024
| Term | Rate | APY** |
|---|---|---|
| Daily | 0.75% | 0.75% |
Rates are subject to change without notice.
Certificate Rates are set for the term of the account.
Early withdrawal penalty applies.
IRA Term Account Rates
Effective 01/01/2024
| Term | APY** |
|---|---|
| 12 Months | 4.52% |
| 18 Months | 4.24% |
| 2 Years | 3.12% |
| 3 Years | 3.02% |
| 4 Years | 2.93% |
| 5 Years | 2.98% |
All rates stated as APY (Annual Percentage Yield).
Rates are subject to change without notice.
IRA Term Certificates are set for the term of the account.
$1,000 minimum balance required. Early withdrawal penalty applies.