Share Certificates

Certificates

A Share Certificate is a risk-free investment option that helps you grow your money at a guaranteed, higher rate than a regular savings account. You commit to keeping your money on deposit for a set term; the longer the term you select, the higher the dividend rate you earn. Choose from a standard Certificate, our Smart Start Certificate or the Step Up Certificate.

Open a Certificate Join NSCCU

Certificate Rates

SPECIALTY CERTIFICATES

Effective Date: November 1, 2024

TERM	DIVIDEND RATE	APY*	MIN $
15 MONTH**	4.94%	5.00%	$100.00
MAXIMUM DEPOSIT OF $10,000.00, LIMIT ONE PER MEMBER **15M Allows add-ons & withdrawals Min +/- $100
37 MONTH**	3.22%	3.25%	$500.00
**37M Allows add-ons ($1000+) & 1-time rate bump after 18 months

STANDARD CERTIFICATES

Effective Date: November 1, 2024

TERM	DIVIDEND RATE	APY*	MIN $
3 Month	2.97%	3.00%	$500.00
6 Month	3.22%	3.25%	$500.00
12 Month	3.96%	4.00%	$500.00
24 Month	3.32%	3.35%	$500.00
48 Month	3.32%	3.35%	$500.00
60 Month**	3.47%	3.50%	$500.00
**60M allows 1-time rate bump after 18 months

*APY = Annual Percentage Yield. Early withdrawal penalties may reduce earnings on account.

Relationship Rate Bonus

Ask about our Relationship Rate Bonus, available on most standard Certificates. You can earn a bonus rate of up to 0.35% APY* based on length of membership, deposit balance and new money mix, and maintaining an active checking account.

Certificate Options

Share Certificates

With a Share Certificate, you can choose a term ranging from 3 months to 60 months.

$500 minimum deposit to open and earn dividends
Dividends are paid semi-annually (or upon maturity)
Burial certificate, Traditional or Roth and Coverdell IRA certificate options available
Our 60-month certificate allows you to “bump up” your rate one time during the term if rates increase (available after 18 months)

Smart Start Certificate

The Smart Start Certificate was designed to help you develop positive savings habits and begin to build your nest egg. Start small, with a minimum $100 opening balance, and continue to add deposits to your certificate as you have money available.

15-month term
Premium dividend rate to help beginning savers make the most of their money
Make additional deposits throughout the term (min. $100 per add-on)
Ability to withdraw funds if necessary ($100 minimum, withdrawal fee applies)
Dividends paid semi-annually (or upon maturity)

Step-Up Certificate

The Step-Up Certificate allows you to take advantage of rising rates, and invest additional funds as available, while investing in a risk-free, higher-yield certificate account. When our rates change, you can increase your certificate rate to the higher rate being offered one time during the term of your certificate.