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

Our lobbies are open. EFFECTIVE MAY 29TH, Nose & mouth coverings must be worn for members/guests inside our offices. The Drive Thru is available for expanded services as needed.

Certificate Rates

Apply Now (opens in new window)

Effective May 1, 2020

TERM NON-COMPOUNDING APY COMPOUNDING APY
6 MONTH 0.45%* 0.45%* 0.45% 0.45%
9 MONTH 0.45%* 0.45%* 0.45% 0.45%
12 MONTH 0.50%** 0.50%** 0.50%** 0.50%**
18 MONTH 0.50%* 0.50%* 0.50% 0.50%
24 MONTH 0.50%* 0.50%* 0.50% 0.50%
27 MONTH 0.60%* 0.60%* 0.60% 0.60%
36 MONTH 0.60%* 0.60%* 0.60% 0.60%

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: March 31, 2020
IRA Share Account $25 minimum balance .40% .40%
PROSPECTIVE DIVIDEND RATE & APY: June 30, 2020
IRA Share Account $25 minimum balance .25% .25%
18-Month IRA CD $500 minimum balance 0.50%* 0.50%*
24-Month IRA CD $500 minimum balance 0.50%* 0.50%*
36-Month IRA CD $500 minimum balance 0.50%* 0.50%*
48-Month IRA CD $500 minimum balance 0.60%* 0.60%*
60-Month IRA CD $500 minimum balance 0.65%* 0.65%*

*A penalty may be imposed for early withdrawal.

Contact an Employee about applicable fees and terms.