Share Certificate Rates

Effective 07/01/2025

Share Certificate Rates
Term NFCU: $1,000-$74,999 NFCU: $75,000 & over
3 Months 2.70% 2.70%
6 Months 3.69% 3.69%
12 Months 3.87% 3.87%
18 Months 3.62% 3.62%
2 Years 3.51% 3.51%
3 Years 3.37% 3.37%
4 Years 3.12% 3.12%
5 Years 3.23% 3.23%

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

Money Market Rates
Amounts Rate APY**
$25 - $4,999 1.20% 1.20%
$5,000 - $9,999 1.70% 1.70%
$10,000 - $19,999 2.20% 2.20%
$20,000 & Up 2.70% 2.70%

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

Effective 01/01/2024

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.