Investment Rates


Share Certificate Rates

Effective 06/01/2025

Term NFCU: $1,000-$74,999 NFCU: $75,000 & over
3 Months 2.70% 2.70%
6 Months 3.66% 3.66%
12 Months 3.89% 3.89%
18 Months 3.50% 3.50%
2 Years 3.50% 3.50%
3 Years 3.39% 3.39%
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 05/01/2025

Amounts Rate APY**
$25.00 - $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

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.