Certificates

You can save with higher yields and flexible terms through the credit union equivalent of certificates of deposit.

Your deposits are federally insured up to $250,000 per member by theNational Credit Union Administration. Additional coverage may apply based on ownership of account - details and restrictions.

Rates

Special Certificate

  • Effective:  10-31-2014
Minimum to Open Current Rate Annual Percentage Yield Alert Me
9 months $1,000 .65% .65%
Early withdrawal penalties may apply.
 

Term Share Certificate

  • Effective:  10-31-2014
Under $25,000 Over $25,000
Minimum to Open Current Rate Annual Percentage Yield Current Rate Annual Percentage Yield Alert Me
90 to 179 days $ 1,000 .30% .30% .45% .45%
180 to 364 days $ 1,000 .40% .40% .55% .55%
1 to 2 years $ 1,000 .60% .60% .75% .75%
2 to 3 years $ 1,000 .85% .85% 1.00% 1.00%
3 to 5 years $ 1,000 1.05% 1.05% 1.20% 1.20%
5 years $ 1,000 1.70% 1.71% 1.85% 1.86%
Early withdrawal penalties may apply.
 

Future Saver Certificate (Variable Rate)

  • Effective:  10-31-2014
Under $25,000 $25,000 and Over
Minimum to Open Current Rate Annual Percentage Yield Current Rate Annual Percentage Yield Alert Me
1 to 5 years $25 0.80% 0.80% 0.80% 0.80%
Rates are subject to change after account opening. Early withdrawal penalties may apply.
 

Coverdell Education Savings

  • Effective:  10-31-2014
Under $25,000 $25,000 and Over
Minimum to Open Current Rate Annual Percentage Yield Current Rate Annual Percentage Yield Alert Me
Share Account $5 0.20% 0.20% 0.20% 0.20%
Rates are subject to change after account opening.
 

Coverdell Education Savings (fixed rate)

  • Effective:  10-31-2014
Under $25,000 $25,000 and Over
Minimum to Open Current Rate Annual Percentage Yield Current Rate Annual Percentage Yield Alert Me
1 year certificate $500 .60% .60% .75% .75%
Early withdrawal penalties may apply.
 

Coverdell Education Savings (variable rate)

  • Effective:  10-31-2014
Under $25,000 $25,000 and Over
Minimum to Open Current Rate Annual Percentage Yield Current Rate Annual Percentage Yield Alert Me
18 month certificate $5 1.05% 1.05% 1.20% 1.21%
Rates are subject to change after account opening. Early withdrawal penalties may apply.
 

Education Fund (variable rate)

  • Effective:  10-31-2014
Under $25,000 $25,000 and Over
Minimum to Open Current Rate Annual Percentage Yield Current Rate Annual Percentage Yield Alert Me
8 years or until child is 18 $5 2.40% 2.42% 2.40% 2.42%
Rates are subject to change after account opening. Early withdrawal penalties may apply.
 

Participation Rewards

PARTICIPATION REWARDS BENEFIT LEVELS

* Loan Balances include Mortgage Balances and VISA Balances.

=NO FEE

Other Fees

Top Rewards Member
Balances
> $25 K
Bank@Work™ or
Value Member

Balances
> or = $5 K
eMember™ Basic
Balances
up to $5 K

Checking Accounts (Share Draft)

Monthly Fee

See Pricing Schedule

Per Check Fee

Overdraft Protection
(Share Overdraft Fee)

See Pricing Schedule See Pricing Schedule See Pricing Schedule

Dividends

Dividends paid on accounts with balances greater than $500

Check Printing


(logo checks only)
varies
(with check style)
varies
(with check style)
varies
(with check style)

CheckMate™ Debit/ATM Card

My Picture Card (personalized photo debit card)





Automated & Electronic Services

Non-NEFCU ATM Network Fee (withdrawals, inquiries, transfers)
There may be surcharges at other financial institutions for ATM transactions.

See Pricing Schedule See Pricing Schedule

NEFCU ATM Transaction

POS & Debit Transaction

NEFCUOnline

BillPay

See Pricing Schedule

Accountline (automated phone service)

Other Benefits

ATM/Debit Card Replacement 

$5

Access to Discount Auto & Home Insurance

VISA Credit Card Annual Fee

TeleBranch Transaction/Acct. Inq. (person-to-person)

See Pricing Schedule

Teller Transaction/Account Inquiry

See Pricing Schedule

Official (Bank) Checks

See Pricing Schedule See Pricing Schedule See Pricing Schedule

Wire Transfers - U.S.

See Pricing Schedule See Pricing Schedule See Pricing Schedule

Incoming Wire

See Pricing Schedule.