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Our home banking has a new look and new features! Some mobile banking users may need to update the NAECU app in the app store for their device.  HOLIDAY NOTICE: Offices will be closed on Monday, February 20th in observance of President's Day.  

Certificate Rates

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Effective February 01, 2023 / PLEASE NOTE THE SPECIAL 6-MONTH OFFER! 

TERM NON-COMPOUNDING APY COMPOUNDING APY
6 MONTH 3.00%* 3.00%* 3.00% 3.02%
9 MONTH 1.25%* 1.25%* 1.25% 1.26%
12 MONTH 1.40%** 1.40%** 1.40%** 1.41**
18 MONTH 1.50%* 1.50%* 1.50% 1.51%
24 MONTH 1.60%* 1.60%* 1.60% 1.61%
27 MONTH 1.65%* 1.65%* 1.65% 1.66%
36 MONTH 1.75%* 1.75%* 1.75% 1.76%

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). SPECIAL 6-MONTH CD OFFER IS LIMITED TO $25,000 MAX PER PRIMARY MEMBER AT ANY ONE TIME. 

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: December 31, 2022
IRA Share Account $25 minimum balance 0.40% 0.40%
PROSPECTIVE DIVIDEND RATE & APY: March 31, 2023
IRA Share Account $25 minimum balance 0.50% 0.50%
18-Month IRA CD $500 minimum balance 1.50%* 1.51%*
24-Month IRA CD $500 minimum balance 1.60%* 1.61%*
36-Month IRA CD $500 minimum balance 1.75%* 1.76%*
48-Month IRA CD $500 minimum balance 1.80%* 1.81%*
60-Month IRA CD $500 minimum balance 1.90%* 1.91%*

*A penalty may be imposed for early withdrawal.

Contact an Employee about applicable fees and terms.