Invest in a sure thing
A certificate is one of the safest, most foolproof ways to invest.
Deposit your money and earn a guaranteed rate of return.
An easy way to start saving
A certificate allows you to earn a higher interest rate than a regular savings account. We have two certificate options so you can pick the one that’s right for you. Our traditional certificates earn the highest rate. Our Smart Growth certificates are a little more flexible, letting you add funds here and there and build your savings over time, while still getting a good return on your dollars.
Earns
$500 minimum to open, no maximum
Great for IRAs too!
No maintenance fees
Multiple terms and rates available
Free online banking and eStatements
Insured by the NCUA up to $250,000
Rates as high as
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1
Apply Online
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2
Account Opening
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APY = Annual Percentage Yield
All rates are subject to change. Early withdrawal penalties may apply. For all other terms and fees for each account, contact your branch for the applicable disclosure statement(s). Any fees assessed could reduce earnings on this account. Other terms and conditions may apply, see Credit Union for full details.
All certificates may be opened as an IRA investment and almost all can be opened as an HSA. For more information on which IRA option is right for you please consult with your tax adviser.
The minimum balance to open and maintain a share certificate account is $500, except Smart Growth which has a minimum of $100.
The share certificate Dividend Rates and Annual Percentage Yields shown are subject to change. See Credit Union for additional details.
Variable Rate Certificate with a guaranteed minimum floor rate; contact the credit union for details. Additional deposits will not extend the term or advance the Maturity Date. One (1) annual withdrawal of 10% of the principal balance is allowed without penalty, unless opened as an IRA, in which case IRA rules apply.
Rates
| Term | Minimum To Open | Dividend Rate4 | APY4 | IRA Dividend Rate4 | IRA APY4 |
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6-11 Month |
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12-17 Month |
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18-23 Month |
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24-35 Month |
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36-47 Month |
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48-59 Month |
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60-71 Month |
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72+ Month |
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APY = Annual Percentage Yield
All rates are subject to change. Early withdrawal penalties may apply. For all other terms and fees for each account, contact your branch for the applicable disclosure statement(s). Any fees assessed could reduce earnings on this account. Other terms and conditions may apply, see Credit Union for full details.
All certificates may be opened as an IRA investment and almost all can be opened as an HSA. For more information on which IRA option is right for you please consult with your tax advisor.
The minimum balance to open and maintain a share certificate account is $500, except Smart Growth which has a minimum of $100.
APY = Annual Percentage Yield
This is a limited time offer and available on a first come, first serve basis. This offer is only available to funds new to NW Preferred.
4 The share certificate Dividend Rates and Annual Percentage Yields shown were accurate as of the Effective Date of this Rate Sheet. Contact the Credit Union for most current rates.
| Smart Growth Certificates5 Term | Minimum To Open | Dividend Rate4 | APY4 | IRA Dividend Rate4 | IRA APY4 |
|---|---|---|---|---|---|
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36 Month |
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60 Month |
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84 Month |
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All rates are subject to change. Early withdrawal penalties may apply. For all other terms and fees for each account, contact your branch for the applicable disclosure statement(s). Any fees assessed could reduce earnings on this account. Other terms and conditions may apply, see Credit Union for full details.
All certificates may be opened as an IRA investment and almost all can be opened as an HSA. For more information on which IRA option is right for you please consult with your tax advisor.
The minimum balance to open and maintain a share certificate account is $500, except Smart Growth which has a minimum of $100.
APY = Annual Percentage Yield
This is a limited time offer and available on a first come, first serve basis. This offer is only available to funds new to NW Preferred.
4 The share certificate Dividend Rates and Annual Percentage Yields shown were accurate as of the Effective Date of this Rate Sheet. Contact the Credit Union for most current rates.
5 Variable Rate CD with a guaranteed minimum floor rate; contact the credit union for details. Additional deposits will not extend the term or advance the Maturity Date. One (1) annual withdrawal of 10% of the principal balance is allowed without penalty, unless opened as an IRA, in which case IRA rules apply. Rates are subject to change after account opening.
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