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Certificates of Deposit

NECU offers the following Certificates of Deposit (CDs):



Regular CD
Account Term Dividend Rate APY Minimum to open Minimum to
obtain stated
APY
6 Month 2.45% 2.48% $500 $500
12 Month 2.50% 2.53% $500 $500
18 Month 2.55% 2.58% $500 $500
24 Month 2.65% 2.68% $500 $500
36 Month 2.75% 2.79% $500 $500
48 Month 2.85% 2.89% $500 $500
60 Month 3.05% 3.09% $500 $500
APY equals Annual Percentage Yield



Mini Jumbo CD
Account Term Dividend Rate APY Minimum to open Minimum to
obtain stated
APY
6 Month 2.60% 2.63% $50,000 $50,000
12 Month 2.65% 2.68% $50,000 $50,000
18 Month 2.70% 2.73% $50,000 $50,000
24 Month 2.80% 2.84% $50,000 $50,000
36 Month 2.90% 2.94% $50,000 $50,000
48 Month 3.00% 3.04% $50,000 $50,000
60 Month 3.20% 3.25% $50,000 $50,000
APY equals Annual Percentage Yield



Jumbo CD
Account Term Dividend Rate APY Minimum to open Minimum to
obtain stated
APY
6 Month 2.70% 2.73% $100,000 $100,000
12 Month 2.75% 2.78% $100,000 $100,000
18 Month 2.80% 2.84% $100,000 $100,000
24 Month 2.90% 2.94% $100,000 $100,000
36 Month 3.00% 3.04% $100,000 $100,000
48 Month 3.10% 3.14% $100,000 $100,000
60 Month 3.30% 3.35% $100,000 $100,000
APY equals Annual Percentage Yield

 

Effective date 05/01/2008


Our Northeast Credit Union certificate guarantee assures you that should rates go up within ten days of your certificate being opened; we will move your certificate to the higher rate resulting in a change in rate. (This is in addition to our "bump-up" rate feature.) If you choose to exercise your  "bump-up" rate feature option, which allows you to move your certificate to a higher rate should rates change during the time you hold your certificate, the bump-up will result in a rate change. You can exercise the "bump-up" feature one time during the term of your certificate.


Add-on feature allows you to add up to the original amount of your certificate.


Dividend penalty will be imposed for early withdrawal as applicable.


Take advantage of one of the highest levels of deposit insurance protection available in the financial industry. Northeast Credit Union has complemented member federal share insurance with excess deposit insurance. An additional $250,000 in savings protection is available on all qualifying accounts through ESI, a private insurer.