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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 the

National Credit Union Administration. Additional coverage may apply based on ownership of account -

details and restrictions.

Open a Term Share Certificate Now!

Rates
Calculators
Participation Rewards


Special Certificate¹ 5/17/2012
	Minimum to Open	Current Rate	Annual Percentage Yield
9 months	$ 1,000	.65%	.65%
¹Early withdrawal penalties may apply.


Term Share Certificate¹ 5/17/2012
		Under $25,000		Over $25,000
	Minimum to Open	Current Rate	Annual Percentage Yield	Current Rate	Annual Percentage Yield
90 to 179 days	$ 1,000	.40%	.40%	.55%	.55%
180 to 364 days	$ 1,000	.55%	.55%	.70%	.70%
1 to 2 years	$ 1,000	.70%	.70%	.85%	.85%
2 to 3 years	$ 1,000	1.00%	1.00%	1.15%	1.15%
3 to 5 years	$ 1,000	1.30%	1.31%	1.45%	1.46%
5 years	$ 1,000	2.00%	2.02%	2.15%	2.17%
¹Early withdrawal penalties may apply.


Future Saver Certificate¹ 5/17/2012
		Under $25,000		$25,000 and Over
	Minimum to Open	Current Rate	Annual Percentage Yield	Current Rate	Annual Percentage Yield
1 to 5 years	$25	0.90%	0.90%	0.90%	0.90%
¹Rates are subject to change after account opening. Early withdrawal penalties may apply.

Learn more about Future Saver Certificate!


Coverdell Education Savings¹ 5/17/2012
		Under $25,000		$25,000 and Over
	Minimum to Open	Current Rate	Annual Percentage Yield	Current Rate	Annual Percentage Yield
Share Account	$5	0.25%	0.25%	0.25%	0.25%
¹Rates are subject to change after account opening.


Coverdell Education Savings (fixed rate)¹ 5/17/2012
		Under $25,000		$25,000 and Over
	Minimum to Open	Current Rate	Annual Percentage Yield	Current Rate	Annual Percentage Yield
1 year certificate	$ 500	.70%	.70%	.85%	.85%
¹Early withdrawal penalties may apply.


Coverdell Education Savings (variable rate)¹ 5/17/2012
		Under $25,000		$25,000 and Over
	Minimum to Open	Current Rate	Annual Percentage Yield	Current Rate	Annual Percentage Yield
18 month certificate	$5	1.05%	1.05%	1.20%	1.21%
¹Rates are subject to change after account opening. Early withdrawal penalties may apply.


Education Fund (variable rate)¹ 5/17/2012
		Under $25,000		$25,000 and Over
	Minimum to Open	Current Rate	Annual Percentage Yield	Current Rate	Annual Percentage Yield
8 years or until child is 18	$ 5	2.40%	2.42%	2.40%	2.42%
¹Rates are subject to change after account opening. Early withdrawal penalties may apply.

Accounts

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=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				$5 per month waived w/direct deposit
Per Check Fee
Overdraft Protection (Share Overdraft Fee)		$1 each from loan/deposit acct.	$1 each from loan/deposit acct.	$2 each from loan/deposit acct.
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)	$6 each	$6 each	$6 each	$6 each
*Automated & Electronic Services*
Non-NEFCU ATM Network Fee (withdrawals, inquiries, transfers) There may be surcharges at other financial institutions for ATM transactions.		8 Free per month ($1.25 each after)		$1.25 each
NEFCU ATM Transaction
POS & Debit Transaction
NEFCUOnline
BillPay				$6 per month
Accountline (automated phone service)
*Other Benefits*
ATM/Debit Card Replacement				$5
Access to Discount Auto & Home Insurance
.50% Consumer Loan Discount (with AutoPay)
VISA Credit Card Annual Fee
TeleBranch Transaction/Acct. Inq. (person-to-person)			$2 each
Teller Transaction/Account Inquiry			$2 each
Official (Bank) Checks		$2 each	$2 each	$2 each
Wire Transfers - U.S.		$15 each	$15 each	$15 each
Incoming Wire

Fees for All Participation Levels
Overdraft Fee (Draft and ACH item paid with insufficient or uncollected funds)	$19.00
Return Fee (Draft or ACH item returned due to insufficient or uncollected funds)	$24.00
Foreign Check Collection	$35.00
Stop Payment Fee for Share Draft or Official Check	$19.00
Check Image for Share Draft or Official Check (print check images using View Check service in NEFCUOnline with no fee)	$2.00
Expedited Payments Electronic (ACH) Overnight Check	$4.95 $24.95
Research/ Reconciliation Services (per hour, $5 minimum)	$10.00
Levies Processed on Member Accounts	$25.00
Deposited Item Charge Back Fee Same Maker Third Party (payment refused by payer's financial institution on a deposited item)	$24.00 $5.00
Statement Copy (print statements from NEFCUOnline with no fee)	$5.00
Power Account Excess Debit Fee (for each debit transaction over six per month)	$5.00

Business Share Draft (Checking)
Monthly Service Charge	$5.00
Excess Debit Fee after 15	$0.15

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