Certificates | Neighbors FCU | Share & IRA Certificates
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Certificates

Much like a Certificate of Deposit, this account can help you earn a higher rate of return on your money. Stop by a branch to open yours today.

Share Certificate

  • $1500 minimum balance required.
  • Terms of 3, 6, 9, 12, 18, 24, 30, 36, 48, or 60 months.
  • Automatic renewal at current rates.
  • Fixed rate for the term of the certificate.

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Early withdrawals are subject to penalty

IRA Certificate

Combine the steady interest of a Share certificate with the tax advantages of an Individual Retirement Account (IRA).

  • $1500 minimum balance.
  • Terms of 3, 6, 9, 12, 18, 24, 30, 36, 48, or 60 months.

Certificate Rates

Share Certificates

# Months / Years# of DaysDiv RateAPY
3 Months91-1810.35%0.35%
6 Months182-2720.70%0.70%
9 Months273-3640.75%0.75%
12 Months or 1 Year365-5460.80%0.80%
18 Months547-7290.82%0.82%
24 Months or 2 Years730-9110.85%0.85%
30 Months912-10940.87%0.87%
36 Months or 3 Years1095-14590.90%0.90%
48 Months or 4 Years1460-18240.95%0.95%
60 Months or 5 Years18251.00%1.00%
Term share account with a minimum balance based on the tier to earn the quoted APY until maturity. Minimum balance $1500.00. Early withdrawals subject to penalty. 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

IRA Certificates

# Months / Years# of DaysDiv RateAPY
3 Months91-1810.35%0.35%
6 Months182-2720.70%0.70%
9 Months273-3640.75%0.75%
12 Months or 1 Year365-5460.80%0.80%
18 Months547-7290.82%0.82%
24 Months or 2 Years730-9110.85%0.85%
30 Months912-10940.87%0.87%
36 Months or 3 Years1095-14590.90%0.90%
48 Months or 4 Years1460-18240.95%0.95%
60 Months or 5 Years18251.00%1.00%
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. Early withdrawals are subject to penalty. Fees could reduce earnings on all accounts. APY accurate as of
APY = Annual Percentage Yield