Certificate Rates
Neighbors Federal Credit Union – neighborsfcu.org | Rates are current as of
Share Certificates
Term
# of days
Div Rate
APY
3 Months
91-181
2.38%
2.41%
6 Months
182-272
3.52%
3.58%
9 Months
273-364
3.92%
3.99%
12 Months (1 Year)
365-546
4.30%
4.39%
18 Months
547-729
4.38%
4.47%
24 Months (2 Years)
730-911
4.37%
4.46%
30 Months
912-1094
4.39%
4.48%
36 Months (3 Years)
1095-1459
4.30%
4.39%
48 Months (4 Years)
1460-1824
4.32%
4.41%
60 Months (5 Years)
1825+
4.33%
4.42%
Term share account with a minimum balance based on the tier to earn the quoted APY until maturity. Minimum balance $1500.00. Dividends may be compounded or transferred to your share, extra savers, or checking account. Fees could reduce earnings on all accounts. APY = Annual Percentage Yield. Federally insured by NCUA.
Early withdrawals are subject to penalty. For term certificates with a remaining term of 730 days or less, the early withdrawal penalty will be an amount equal to 50% of the remaining dividends that would have been paid on the amount withdrawn had the early withdrawal not occurred. For term share certificates with a remaining term greater than 730 days, the early withdrawal penalty will be an amount equal to 5% of the amount being withdrawn.
Early withdrawals are subject to penalty. For term certificates with a remaining term of 730 days or less, the early withdrawal penalty will be an amount equal to 50% of the remaining dividends that would have been paid on the amount withdrawn had the early withdrawal not occurred. For term share certificates with a remaining term greater than 730 days, the early withdrawal penalty will be an amount equal to 5% of the amount being withdrawn.
IRA Certificates
Term
# of days
Div Rate
APY
3 Months
91-181
2.38%
2.41%
6 Months
182-272
3.52%
3.58%
9 Months
273-364
3.92%
3.99%
12 Months (1 Year)
365-546
4.30%
4.39%
18 Months
547-729
4.38%
4.47%
24 Months (2 Years)
730-911
4.37%
4.46%
30 Months
912-1094
4.39%
4.48%
36 Months (3 Years)
1095-1459
4.30%
4.39%
48 Months (4 Years)
1460-1824
4.32%
4.41%
60 Months (5 Years)
1825+
4.33%
4.42%
Term share individual retirement account minimum balance based on tier required to earn the disclosed annual percentage yield until maturity. $1500.00 minimum balance. Dividends are compounded and posted monthly. Fees could reduce earnings on all accounts. APY = Annual Percentage Yield. Federally insured by NCUA.
Early withdrawals are subject to penalty. For term certificates with a remaining term of 730 days or less, the early withdrawal penalty will be an amount equal to 50% of the remaining dividends that would have been paid on the amount withdrawn had the early withdrawal not occurred. For term share certificates with a remaining term greater than 730 days, the early withdrawal penalty will be an amount equal to 5% of the amount being withdrawn.
Early withdrawals are subject to penalty. For term certificates with a remaining term of 730 days or less, the early withdrawal penalty will be an amount equal to 50% of the remaining dividends that would have been paid on the amount withdrawn had the early withdrawal not occurred. For term share certificates with a remaining term greater than 730 days, the early withdrawal penalty will be an amount equal to 5% of the amount being withdrawn.