Share Certificate Rates

Effective 11/1/2025


Share Certificate Rates
Term NFCU: $1,000-$74,999 NFCU: $75,000 & over
3 Months 3.23% 3.23%
6 Months 3.92% 3.92%
12 Months 3.85% 3.85%
18 Months 3.66% 3.66%
2 Years 3.74% 3.74%
3 Years 3.62% 3.62%
4 Years 3.42% 3.42%
5 Years 3.57% 3.57%

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 11/1/2025


Money Market Rates
Amounts Rate APY**
$25 - $4,999 1.73% 1.73%
$5,000 - $9,999 2.23% 2.23%
$10,000 - $19,999 2.73% 2.73%
$20,000 & Up 3.23% 3.23%

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.