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.

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