Certificates

Low Minimums, Maximum Returns—A Variety of Certificates to Choose from

Build your dreams. Invest in your future. NRLFCU certificates can help you achieve your goals. Guaranteed.

Ready, Set, Save!

Many certificates offer you the security of a specified rate for a specified time. Others offer potential for even larger returns. We’ll help you choose the options that are right for you:

Share Certificates

Share certificates offer:

  • A low $500 minimum deposit.
  • Flexible terms starting at six months.
  • Competitive yields.
  • Plus, certificates are eligible for even better credit union rates—as much as .25% higher—thanks to Loyalty Rewards.

Bump-Up Certificates

You might call it “the best of all possible worlds.” This certificate features:

  • A dividend rate that is fixed for the term, with the option to “bump-up” your rate.
  • You may increase your rate once before maturity to the prevailing regular certificate rate for your term.
  • With as little as $500, you can enjoy the flexibility of a 24-month or a 36-month Bump-Up Certificate.
  • Available for Traditional and Roth IRAs, too.

No Excuses Certificates

Now there’s really no excuse not to save. This certificate offers:

  • An excellent way to save through payroll distribution.
  • Term of two years.
  • You set up to save a small amount each pay period.
  • Plus, any amount over your normal direct deposit amount gets added automatically to the certificate.

Build-a-Dream Certificates

The name says it all. This certificate helps make dreams come true by offering:

  • One-, two- or three-year terms with no minimum deposit.
  • You just make regularly scheduled contributions through payroll deduction or automatic transfer.

IRA Certificates

An IRA certificate can help you build your savings for retirement. Invest in your future with:

What’s your savings potential? Find out with our Monthly Savings Calculator.
Ready to start earning more on your savings? Open a certificate at NRLFCU now.