Share Certificate Rates

Effective 06/01/2026


Share Certificate Rates
Term NFCU: $1,000-$74,999 NFCU: $75,000 & over
3 Months 3.59% 3.59%
6 Months 3.79% 3.79%
12 Months 3.82% 3.82%
18 Months 3.54% 3.54%
2 Years 3.72% 3.72%
3 Years 3.63% 3.63%
4 Years 3.55% 3.55%
5 Years 3.75% 3.75%

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 06/1/2026


Money Market Rates
Amounts Rate APY**
$25 - $4,999 2.09% 2.09%
$5,000 - $9,999 2.59% 2.59%
$10,000 - $19,999 3.09% 3.09%
$20,000 & Up 3.59% 3.59%

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.