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
4.79%
4.90%

9 Months
273-364
4.80%
4.91%

12 Months (1 Year)
365-546
4.80%
4.91%

18 Months
547-729
4.59%
4.69%

24 Months (2 Years)
730-911
4.54%
4.64%

30 Months
912-1094
4.54%
4.64%

36 Months (3 Years)
1095-1459
4.09%
4.17%

48 Months (4 Years)
1460-1824
4.16%
4.24%

60 Months (5 Years)
1825+
4.16%
4.24%

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withdrawal penalty will be an amount equal to 50% of the remaining dividends that would have been paid on the amount withdrawn had the early withdrawal not occurred.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a remaining term greater than 730 days, the early withdrawal penalty will be an amount equal to 5% of the amount being withdrawn.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
4.31%
4.40%

6 Months
182-272
4.79%
4.90%

9 Months
273-364
4.80%
4.91%

12 Months (1 Year)
365-546
4.80%
4.91%

18 Months
547-729
4.59%
4.69%

24 Months (2 Years)
730-911
4.54%
4.64%

30 Months
912-1094
4.54%
4.64%

36 Months (3 Years)
1095-1459
4.09%
4.17%

48 Months (4 Years)
1460-1824
4.16%
4.24%

60 Months (5 Years)
1825+
4.16%
4.24%

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withdrawal penalty will be an amount equal to 50% of the remaining dividends that would have been paid on the amount withdrawn had the early withdrawal not occurred.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a remaining term greater than 730 days, the early withdrawal penalty will be an amount equal to 5% of the amount being withdrawn.