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It has come to our attention that some individuals are attempting to exploit our members through fraudulent text messages (SMS) and phone calls, claiming to be representatives of Neighbors Federal Credit Union. Protect yourself
Maximizing Value and Joy in High-Impact Purchases with Frugal Friends
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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 Months91-1514.31%4.40%
6 Months182-2725.25%5.38%
9 Months273-3645.26%5.39%
12 Months or 1 Year365-5465.26%5.39%
18 Months547-7295.05%5.17%
24 Months or 2 Years730-9115.00%5.12%
30 Months912-10944.97%5.08%
36 Months or 3 Years1095-14594.34%4.43%
48 Months or 4 Years1460-18244.29%4.37%
60 Months or 5 Years18254.26%4.34%
Rates current as of February 22, 2024.
Term share account with a minimum balance based on the tier to earn the quoted APY until maturity. Minimum balance $1500.00. Early withdrawals are 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.
Federally insured by NCUA.

IRA Certificates

# Months / Years# of DaysDiv RateAPY
3 Months91-1814.31%4.40%
6 Months182-2725.25%5.38%
9 Months273-3645.26%5.39%
12 Months or 1 Year365-5465.26%5.39%
18 Months547-7295.05%5.17%
24 Months or 2 Years730-9115.00%5.12%
30 Months912-10944.97%5.08%
36 Months or 3 Years1095-14594.34%4.43%
48 Months or 4 Years1460-18244.29%4.37%
60 Months or 5 Years18254.26%4.34%
Rates current as of February 22, 2024.
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 = Annual Percentage Yield.
Federally insured by NCUA.

Need help finding the account/product that is right for you?
Click on the Relationship Builder and answer a few simple questions to be guided to the accounts that best fit your needs.