Save for a rainy day with a Certificate Account from NRFCU. You'll earn higher dividends than with a regular savings account and your rate will be locked in for the term of the Certificate. Your money at NRFCU is insured up to $350,000 by the National Credit Union Administration and Excess Share Insurance, Inc. That means it’s protected from market risk and guaranteed to provide a positive return.

Regular Certificates

With terms ranging from 6 to 60 months, our Certificate Accounts offer guaranteed earnings over a set period of time. You'll be rewarded as your deposits increase with tiers at $500, $10,000, $40,000, and $100,000.

• Market Certificate 6-12 Months
• Saver Certificate 12-24 Months
• Capital Certificate 24-36 Months
• Investment Certificate 36-48 Months
• Portfolio Certificate 48-60 Months

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Equity Options Certificate

Enjoy the high returns of a Certificate with the liquidity of a savings account. With a $25,000 minimum balance and 60-month term, you may withdraw funds penalty-free every 6 months, down to the $25,000 minimum balance.

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Add-On 12-Month Certificates

• Holiday Club Certificate Account
  Save for the holidays with this high yield certificate that matures on November 1st. You can make additional deposits as often as you like throughout the year.
• Tax Saver Certificate Account
  Plan ahead for tax season with this high yield certificate that matures on November 1st. You can make additional deposits as often as you like throughout the year.
• Money Builder Certificate Account
  Save money automatically each month with this 1-year certificate. Each month, your funds will be transferred through payroll deduction or automatic transfer and at the end of the year, we'll deposit the money you saved into your savings account. At this time the money is yours to spend, save, or reinvest in another Certificate Account.
• Easy Saver Certificate Account
  For our savers under age 20, this 1-year certificate requires only a $10 minimum opening deposit and allows additional deposits all year long.

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