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.

Check out these special rates

6 Month

Share Certificate

2.00% APY

Open now

9 Month

Share Certificate

2.70% APY

Open now

18 Month

Share Certificate

2.90% APY

Open now

Share Certificate

  • $1500 minimum balance required.
  • Choose 6,12, 24, 36, 48, or 60 month terms.
  • 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.
  • Choose 6, 12, 24, 36, 48, or 60 month terms.

Certificate Rates

Share Certificates

# Months / Years# of DaysDiv RateAPY
3 Months91-1810.89%0.89%
6 Months182-2721.98%2.00%
9 Months273-3642.67%2.70%
12 Months or 1 Year365-5462.72%2.75%
18 Months547-7292.86%2.90%
24 Months or 2 Years730-9113.04%3.08%
30 Months912-10943.10%3.14%
36 Months or 3 Years1095-14593.32%3.37%
48 Months or 4 Years1460-18243.36%3.41%
60 Months or 5 Years18253.51%3.57%
Term share account with a minimum balance based on the tier to earn the quoted APY until maturity. Minimum opening deposit $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 Months91-1810.89%0.89%
6 Months182-2721.98%2.00%
9 Months273-3642.67%2.70%
12 Months or 1 Year365-5462.72%2.75%
18 Months547-7292.86%2.90%
24 Months or 2 Years730-9113.04%3.08%
30 Months912-10943.10%3.14%
36 Months or 3 Years1095-14593.32%3.37%
48 Months or 4 Years1460-18243.36%3.41%
60 Months or 5 Years18253.51%3.57%
Term share individual retirement account minimum balance based on tier required to earn the disclosed annual percentage yield until maturity. $1500.00 minimum opening deposit. 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