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:
$1,000.00 low minimum deposit requirement
Competitive rates
Dividends paid at the time of maturity
Terms of 6 months to 5 years
Ability
Share Certificate Account Rates
All rates are accurate and effective as of July 1st, 2023.
| Term | APY* |
|---|---|
| 6 month | 0.50% |
| 1 year | 2.0% |
| 2 year | 2.25% |
| 3 year | 3.0% |
| 4 year | 3.25% |
| 5 year | 4.0% |
*Minimum to open is $1,000.00. 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. Early withdrawal penalties apply. For more information contact the credit union.