Share Certificate Rates

Effective 10/1/2026


Share Certificate Rates
Term NFCU: $1,000-$74,999 NFCU: $75,000 & over
3 Months 3.68% 3.68%
6 Months 3.85% 3.85%
12 Months 4.02% 4.02%
18 Months 3.90% 3.90%
2 Years 3.92% 3.92%
3 Years 3.91% 3.91%
4 Years 3.82% 3.82%
5 Years 3.98% 3.98%

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 10/01/2026


Money Market Rates
Amounts Rate APY**
$25 - $4,999 2.18% 2.18%
$5,000 - $9,999 2.68% 2.68%
$10,000 - $19,999 3.18% 3.18%
$20,000 & Up 3.68% 3.68%

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 01/01/2021


IRA Daily Account
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 08/15/2023


IRA Term Account Rates
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.