QUICKLINKS SEARCH ABA Routing #: 265473317 OPEN ACCOUNT MEMBER LOGIN Personal Loans Credit Cards Mortgage Commercial Home Personal Savings Account Certificates Certificates Much like a Certificate of Deposit, this account can help you earn a higher rate of return on your money. Stop by a branch to open yours today. Share Certificate $1500 minimum balance required. Terms of 3, 6, 9, 12, 18, 24, 30, 36, 48, or 60 months. Automatic renewal at current rates. Fixed rate for the term of the certificate. OPEN NOW Early withdrawals are subject to penalty IRA Certificate Combine the steady interest of a Share certificate with the tax advantages of an Individual Retirement Account (IRA). $1500 minimum balance. Terms of 3, 6, 9, 12, 18, 24, 30, 36, 48, or 60 months. Certificate Rates Share Certificates # Months / Years # of Days Div Rate APY 3 Months 91-181 0.15% 0.15% 6 Months 182-272 0.35% 0.35% 9 Months 273-364 0.40% 0.40% 12 Months or 1 Year 365-546 0.45% 0.45% 18 Months 547-729 0.50% 0.50% 24 Months or 2 Years 730-911 0.65% 0.65% 30 Months 912-1094 0.75% 0.75% 36 Months or 3 Years 1095-1459 0.80% 0.80% 48 Months or 4 Years 1460-1824 0.90% 0.90% 60 Months or 5 Years 1825 0.95% 0.95% Term share account with a minimum balance based on the tier to earn the quoted APY until maturity. Minimum balance $1500.00. Early withdrawals subject to penalty. Dividends may be compounded or transferred to your share, extra savers or checking account. Fees could reduce earnings on all accounts. APY = Annual Percentage Yield IRA Certificates # Months / Years # of Days Div Rate APY 3 Months 91-181 0.15% 0.15% 6 Months 182-272 0.35% 0.35% 9 Months 273-364 0.40% 0.40% 12 Months or 1 Year 365-546 0.45% 0.45% 18 Months 547-729 0.50% 0.50% 24 Months or 2 Years 730-911 0.65% 0.65% 30 Months 912-1094 0.75% 0.75% 36 Months or 3 Years 1095-1459 0.80% 0.80% 48 Months or 4 Years 1460-1824 0.90% 0.90% 60 Months or 5 Years 1825 0.95% 0.95% Term share individual retirement account minimum balance based on tier required to earn the disclosed annual percentage yield until maturity. $1500.00 minimum balance. Dividends are compounded and posted monthly. Early withdrawals are subject to penalty. Fees could reduce earnings on all accounts. APY accurate as of 11/26/2021 APY = Annual Percentage Yield Also of Interest: Savings Account Cd-Rates-1 Services Information Locations The Front Porch Blog Financial Education Careers Contact App Center Neighbors Capital Area Foundation Accessibility How to Join Calculators Disclosures Privacy Policy Holiday Schedule Who We Are Member Action Center SIGN IN ASK NEIGHBORS MAKE A PAYMENT Facebook Twitter LinkedIn Instagram Youtube SUBSCRIBE © 2021 Neighbors Federal Credit Union. Site by Gatorworks Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency.