Certificate Rates
Neighbors Federal Credit Union – neighborsfcu.org | Rates are current as of
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Share Certificates
Term
# of days
Div Rate
APY
3 Months
91-181
4.31%
4.40%
6 Months
182-272
4.89%
5.00%
9 Months
273-364
4.89%
5.00%
12 Months (1 Year)
365-546
4.88%
4.99%
18 Months
547-729
4.70%
4.80%
24 Months (2 Years)
730-911
4.71%
4.81%
30 Months
912-1094
4.59%
4.69%
36 Months (3 Years)
1095-1459
4.25%
4.33%
48 Months (4 Years)
1460-1824
4.35%
4.44%
60 Months (5 Years)
1825+
4.43%
4.52%
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withdrawal penalty will be an amount equal to 50% of the remaining dividends that would have been paid on the amount withdrawn had the early withdrawal not occurred.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a remaining term greater than 730 days, the early withdrawal penalty will be an amount equal to 5% of the amount being withdrawn.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withdrawal penalty will be an amount equal to 50% of the remaining dividends that would have been paid on the amount withdrawn had the early withdrawal not occurred.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a remaining term greater than 730 days, the early withdrawal penalty will be an amount equal to 5% of the amount being withdrawn.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
4.31%
4.40%
6 Months
182-272
4.89%
5.00%
9 Months
273-364
4.89%
5.00%
12 Months (1 Year)
365-546
4.88%
4.99%
18 Months
547-729
4.70%
4.80%
24 Months (2 Years)
730-911
4.71%
4.81%
30 Months
912-1094
4.59%
4.69%
36 Months (3 Years)
1095-1459
4.25%
4.33%
48 Months (4 Years)
1460-1824
4.35%
4.44%
60 Months (5 Years)
1825+
4.43%
4.52%
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.