Earn More, Worry Less in 2024 with our Share Certificates!

You know what they say, New Year, new you! Now is the time to start fresh and think about your financial future. NCFCU is currently offering amazing share certificate rates with short terms that you don’t want to miss out on!

Share Certificates allow members to deposit money at a fixed rate with a term that matches their financial needs.

Certificates, often referred to as share certificates or certificates of deposit, offer several advantages. Below are a few to consider when opening a certificate:

1. Safety and Security:
   • Certificates are generally considered safe and secure investment options. Credit unions are typically regulated and insured, providing a level of protection for your deposits, often up to a certain limit. NCFCU is federally insured by the National Credit Union Administration (NCUA), a U.S. Government Agency. Deposits are insured up to $250,000.
2. Stable Returns:
   • Certificates typically offer fixed interest rates for a specified period, providing a predictable and stable return on your investment. This can be advantageous for individuals who prefer a more conservative approach to investing.
3. Low Risk:
   • Compared to some other investment options, certificates are relatively low-risk. Since they are backed by the credit union and often insured, the likelihood of losing your principal investment is minimized.
4. Diverse Term Options:
   • Credit unions usually offer a range of term options for certificates, allowing you to choose the duration that aligns with your financial goals. NCFCU offers terms from 6 to 60 months. 
5. Higher Interest Rates Than Regular Savings Accounts:
   • Certificates typically offer higher interest rates than regular savings accounts. The longer the term of the certificate, the higher the interest rate is likely to be.
6. Encourages Saving and Discipline:
   • Certificates often have penalties for early withdrawal, which can encourage savers to keep their funds invested until the maturity date. This can promote financial discipline and discourage impulsive withdrawals.
7. Variety of Types:
   • Credit unions may offer various types of certificates. This variety allows you to choose the type of certificate that best fits your financial strategy. NCFCU offers share certificates, IRA Traditional Certificate, IRA Roth Certificate, and IRA Education Certificate.
8. Credit Union Membership Benefits:
   • Holding certificates at a credit union may come with additional perks tied to credit union membership, such as access to favorable loan rates, lower fees, and other useful products and service. NCFCU serves Adams, Cumberland, Dauphin, Lebanon, Perry, and York counties.

For a limited time only, take advantage of our great Share Certificates Rates. Click here for more details!