Share Certificate Rates

Effective 05/01/2026

Share Certificate Rates
Term	NFCU: $1,000-$74,999	NFCU: $75,000 & over
3 Months	3.56%	3.56%
6 Months	3.77%	3.77%
12 Months	3.79%	3.79%
18 Months	3.44%	3.44%
2 Years	3.61%	3.61%
3 Years	3.56%	3.56%
4 Years	3.45%	3.45%
5 Years	3.64%	3.64%

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 01/1/2026

Money Market Rates
Amounts	Rate	APY**
$25 - $4,999	1.83%	1.83%
$5,000 - $9,999	2.33%	2.33%
$10,000 - $19,999	2.83%	2.83%
$20,000 & Up	3.33%	3.33%

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

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