Certificates

Guaranteed high rate with a low minimum opening balance

Terms from 3 months to 5 years

Automatically renews at the prevailing rate

For a short or long-term investment vehicle that offers you safety, security and a guaranteed high yield, virtually nothing beats a Certificate account from NEFCU.

Open Account

3-Month

$1,000.00: Minimum to Open & Earn APY^†

N/A: One-Time Bump Term

3 Months: Maturity Renewal Term

0.296%: Rate

0.300%: APY^†

6-Month

$1,000.00: Minimum to Open & Earn APY^†

N/A: One-Time Bump Term

6 Months: Maturity Renewal Term

0.737%: Rate

0.750%: APY^†

1-Year

$1,000.00: Minimum to Open & Earn APY^†

N/A: One-Time Bump Term

1 Year: Maturity Renewal Term

0.982%: Rate

1.000%: APY^†

18-Month

$1,000.00: Minimum to Open & Earn APY^†

N/A: One-Time Bump Term

1 Year: Maturity Renewal Term

1.372%: Rate

1.400%: APY^†

IRA Certificates

Embrace the Finish Line

No matter where you are in life right now, it's never a bad time to think about retirement. With NEFCU's IRA Certificate offers, you can get started on all your golden year goals.

Learn More

^†APY = Annual Percentage Yield. Assumes funds remain on deposit for a full year. Dividend rates on savings and checking accounts may change after the account is opened. On Certificates, penalty may apply for early withdrawals; rate is subject to change without notice; fees could reduce earnings on the account. Contact NEFCU for complete details.

^††APY = Annual Percentage Yield. A one-time rate "bump" is allowed during the initial 20-month term of the Certificate to a 1-Year Certificate or a 1-Year IRA Certificate rate (as applicable) which will affect the yield/rate only. At maturity, this Certificate renews automatically as a 1-Year Certificate or a 1-Year IRA Certificate (as applicable) at the APY then in effect, without any rate bump feature.

^‡APY = Annual Percentage Yield. A one-time rate "bump" is allowed during the initial 30-month term of the Certificate to a 2-Year Certificate or 2-Year IRA Certificate rate (as applicable) which will affect the yield/rate only. At maturity, this Certificate renews automatically as a 2-Year Certificate or a 2-Year IRA Certificate (as applicable) at the APY then in effect, without any rate bump feature.

Certificates

3-Month

6-Month

1-Year

18-Month

20-Month Bump^††

2-Year

30-Month Bump^‡

3-Year

4-Year

5-Year

IRA Certificates

Embrace the Finish Line

Certificates

3-Month

6-Month

1-Year

18-Month

20-Month Bump††

2-Year

30-Month Bump‡

3-Year

4-Year

5-Year

IRA Certificates

Embrace the Finish Line

20-Month Bump^††

30-Month Bump^‡