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 February 24th, 2017

Term APY*
6 month 0.55%
1 year 0.80%
2 year 0.95%
3 year 1.15%
4 year 1.50%
5 year 1.70%

*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.

 

Individual Retirement Accounts

Start investing for your future with an IRA. You may contribute to them at maturity each year. IRA Certificates mature yearly. There is a penalty of 30 days interest for early withdrawal. For more information on specific IRA accounts click on the brochure link below.


Links Disclosure

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Informative IRA Brochures