NAECU is here to help you in any way we can! Should you have any accessibility issues with our site please call us during business hours at 256-534-2423 and we will personally assist you with anything you need.
NAECU logo

All offices will be closed on Monday, December 25th for Christmas and on Monday, January 1st for New Year's Day.  

CD SPECIAL! 5.41% APY for 11-Month CD, (Compounding). $5000 Minimum, $50,000 maximum. Contact a MSR for details. 

Certificate Rates

Apply Now (opens in new window)

Effective December 01, 2023 / PLEASE NOTE THE SPECIALS FOR 6-MONTH, 11-MONTH, AND 13-MONTH. 

TERM NON-COMPOUNDING APY COMPOUNDING APY
6 MONTH 3.85%* 3.85%* 3.85% 3.90%
9 MONTH 2.55%* 2.55%* 2.55% 2.57%
11 MONTH5.30%
5.30%*5.30%5.41%
12 MONTH 2.75%** 2.75%** 2.75%** 2.78**
13 MONTH5.20%*5.20%*5.20%5.30%
18 MONTH 2.80%* 2.80%* 2.80% 2.83%
24 MONTH 2.90%* 2.90%* 2.90% 2.93%
27 MONTH 2.95%* 2.95%* 2.95% 2.98%
36 MONTH 3.05%* 3.05%* 3.05% 3.08%

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 & 13-MONTH OFFERS ARE LIMITED TO A MINIMUM OF $2,000 AND $50,000 MAX PER PRIMARY MEMBER EACH AT ANY ONE TIME.  SPECIAL 11-MONTH CD OFFER IS LIMITED TO A MINIMUM OF $5,000 AND $50,000 MAX PER MEMBER AT ANY ONE TIME.

*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: September 30, 2023
IRA Share Account $25 minimum balance 0.75% 0.75%
PROSPECTIVE DIVIDEND RATE & APY: December 31, 2023 (Please note 24-Month Special)
IRA Share Account $25 minimum balance 0.75% 0.75%
18-Month IRA CD $500 minimum balance 2.80%* 2.83%*
24-Month IRA CD $500 minimum balance 4.50%* 4.58%*
36-Month IRA CD $500 minimum balance 3.05%* 3.08%*
48-Month IRA CD $500 minimum balance 3.10%* 3.14%*
60-Month IRA CD $500 minimum balance 3.20%* 3.24%*

*A penalty may be imposed for early withdrawal.

Contact an Employee about applicable fees and terms.

CD Interest Calculator

$
%