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
2.23%
2.25%

6 Months
182-272
2.47%
2.50%

9 Months
273-364
3.01%
3.05%

12 Months (1 Year)
365-546
3.45%
3.50%

18 Months
547-729
3.49%
3.55%

24 Months (2 Years)
730-911
3.49%
3.55%

30 Months
912-1094
3.49%
3.55%

36 Months (3 Years)
1095-1459
3.54%
3.60%

48 Months (4 Years)
1460-1824
3.59%
3.65%

60 Months (5 Years)
1825+
3.64%
3.70%

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withdrawal penalty will be an amount equal to 50% of the remaining dividends that would have been paid on the amount withdrawn had the early withdrawal not occurred.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a remaining term greater than 730 days, the early withdrawal penalty will be an amount equal to 5% of the amount being withdrawn.


IRA Certificates
Term
# of days
Div Rate
APY

3 Months
91-181
2.23%
2.25%

6 Months
182-272
2.47%
2.50%

9 Months
273-364
3.01%
3.05%

12 Months (1 Year)
365-546
3.45%
3.50%

18 Months
547-729
3.49%
3.55%

24 Months (2 Years)
730-911
3.49%
3.55%

30 Months
912-1094
3.49%
3.55%

36 Months (3 Years)
1095-1459
3.54%
3.60%

48 Months (4 Years)
1460-1824
3.59%
3.65%

60 Months (5 Years)
1825+
3.64%
3.70%

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withdrawal penalty will be an amount equal to 50% of the remaining dividends that would have been paid on the amount withdrawn had the early withdrawal not occurred.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a remaining term greater than 730 days, the early withdrawal penalty will be an amount equal to 5% of the amount being withdrawn.