Share Certificates


Niagara Regional Federal Credit Union's certificates are a secure, low-risk way to invest that offers you a higher dividend rate than our regular savings accounts. Certificates let you lock in our best yields for your choice of terms for six months to five years. 

Benefits Include:

  • $1,000 low minimum deposit requirement

  • Competitive rates

  • Dividends paid at the time of maturity*

  • Terms of 6 months to 5 years

  • Ability to check certificate balances with Online Banking and 24-Hour ART

Share Certificate Account Rates

All rates are accurate and effective as of June 19, 2019

Term APY*
6 month 1.00%
1 year 1.65%
2 year 1.75%
3 year 1.85%
4 year 1.95%
5 year 2.00%

*Minimum to open is $1,000. APY is based on an assumption that interest will remain in the account until maturity. A penalty will be imposed for early withdrawals. Fees may reduce earnings on your account. APY is subject to change monthly without notice at the discretion of the Board of Directors. Once a Share Certificate is purchased it is locked in for the current rate until maturity. For more information contact the Credit Union.