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All NAECU offices have returned to Drive Thru only access with appointments for lending and member service needs. Local COVID-19 cases & hospitalizations are significantly higher now than back in March/April when we were Drive Thru only.

Certificate Rates

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Effective August 1, 2020

TERM NON-COMPOUNDING APY COMPOUNDING APY
6 MONTH 0.35%* 0.35%* 0.35% 0.35%
9 MONTH 0.35%* 0.35%* 0.35% 0.35%
12 MONTH 0.40%** 0.40%** 0.40%** 0.40%**
18 MONTH 0.40%* 0.40%* 0.40% 0.40%
24 MONTH 0.40%* 0.40%* 0.40% 0.40%
27 MONTH 0.50%* 0.50%* 0.50% 0.50%
36 MONTH 0.50%* 0.50%* 0.50% 0.50%

A minimum balance of $1,000 is required to be maintained for all regular Share Certificates. A minimum balance of $300 is required to be maintained for regular Share Certificates on minor accounts (Age 0-18)

The MAXIMUM for NEW CD PURCHASES, not renewals, will be $25,000.00 per member every calendar month.

*Dividend payments are mandatory, but the dividends cannot remain in the account. A penalty may be imposed for early withdrawal.

** 12 month CD has 1 time penalty-free withdrawal.

IRA CERTIFICATES OF DEPOSIT

Term Minimum Balance Dividend Rate APY
LAST DIVIDEND DECLARATION DATE: June 30, 2020
IRA Share Account $25 minimum balance .20% .20%
PROSPECTIVE DIVIDEND RATE & APY: September 30, 2020
IRA Share Account $25 minimum balance 0.20% 0.20%
18-Month IRA CD $500 minimum balance 0.40%* 0.40%*
24-Month IRA CD $500 minimum balance 0.40%* 0.40%*
36-Month IRA CD $500 minimum balance 0.50%* 0.50%*
48-Month IRA CD $500 minimum balance 0.50%* 0.50%*
60-Month IRA CD $500 minimum balance 0.55%* 0.55%*

*A penalty may be imposed for early withdrawal.

Contact an Employee about applicable fees and terms.