Certificates

NCFCU’s Certificates are an excellent way to set aside a specific amount of money and grow it for a specific period of time.

Your deposits are federally insured by the National Credit Union Administration (NCUA).

Certificates

Great ways to save money with out the risk of traditional investing. NCFCU Certificates are a great way to set aside money, starting at $500, and grow it over a specific period of time. Your savings are then insured for up to $250,000.

% Tiered Dividends so You Earn as You Grow

As your money market grows, so do your dividends. Under $2,500, your rate will be equivalent to our traditional savings account. As your savings grow above $2,500, your rate will increase with your balance.

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Certificates (CD)
Term 
Investment 
Rate 
APY 
6 Months
Term
6 Months  
Investment
$500 – $10,000 
Rate
1.30% 
APY
1.31% 
Term
 
Investment
$10,001 – $50,000 
Rate
1.35% 
APY
1.36% 
Term
 
Investment
$50,001 – $100,000 
Rate
1.45% 
APY
1.46% 
Term
 
Investment
$100,001 & Up 
Rate
1.55% 
APY
1.56% 
Term
 
Investment
 
Rate
 
APY
 
12 Months
Term
12 Months 
Investment
$500 – $10,000 
Rate
3.65% 
APY
3.712% 
Term
 
Investment
$10,001 – $50,000 
Rate
3.70% 
APY
3.763% 
Term
 
Investment
$50,001 – $100,000 
Rate
3.80% 
APY
3.867% 
Term
 
Investment
$100,001 & Up 
Rate
3.90% 
APY
3.970% 
Term
 
Investment
 
Rate
 
APY
 
18 Months
Term
18 Months 
Investment
$500 – $10,000 
Rate
3.41% 
APY
3.464% 
Term
 
Investment
$10,001 – $50,000 
Rate
3.46% 
APY
3.515% 
Term
 
Investment
$50,001 – $100,000 
Rate
3.56% 
APY
3.619% 
Term
 
Investment
$100,001 & Up 
Rate
3.66% 
APY
3.722% 
Term
 
Investment
 
Rate
 
APY
 
30 Months
Term
30 Months 
Investment
$500 – $10,000 
Rate
1.90% 
APY
1.92% 
Term
 
Investment
$10,001 – $50,000 
Rate
1.95% 
APY
1.97% 
Term
 
Investment
$50,001 – $100,000 
Rate
2.05% 
APY
2.07% 
Term
 
Investment
$100,001 & Up 
Rate
2.15% 
APY
2.17% 
Term
 
Investment
 
Rate
 
APY
 
60 Months
Term
60 Months 
Investment
$500 – $10,000 
Rate
2.25% 
APY
2.27% 
Term
 
Investment
$10,001 – $50,000 
Rate
2.30% 
APY
2.32% 
Term
 
Investment
$50,001 – $100,000 
Rate
2.40% 
APY
2.43% 
Term
 
Investment
$100,001 & Up 
Rate
2.50% 
APY
2.53% 

*APY = Annual Percentage Yield. Federal Regulations require substantial penalty for early withdrawals. Fees could reduce earnings. Rates are subject to change without notice.

 

You can open a new account online, or stop by one of our branches!

Disclosures