CDs, IRAs & Money Markets

Grow Your Money

Break away from the norm. Utilize our different vehicles for your savings need. We have various options based on your wants or needs. Whether your saving up for something long term or you will need the funds at any moment.

Wondering what to invest in? Consider when you will need access to your funds and your desired outcome. Call our professionals today with any questions!

Money Market Accounts

A smart solution for saving towards you goals. Designed to have a higher interest rate than savings account, this financial vehicle will make your money work harder with no extra effort. The higher the deposit amount, the more beneficial the interest rate, giving you the incentive to save more.

Quick Facts

$1,000 minimum opening deposit
No penalty for closing or withdrawing
Six withdrawals per month
Dividends compounded monthly

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Certificates (CDs)

No matter what your age is, opening a CD is not only an easy financial decision, but a smart one. Our Certificates of Deposit offer a minimal risk solution to your investing. By locking in your funds for a set period of time, you will be rewarded with a higher interest rate than our savings and money market accounts.

Deposits are fully insured! Put your hard earned money to work for you without having to worry about fluctuations in the market!

Call and ask about current specials for CDs!

Quick Facts

"Old Money" is accepted
$500 minimum opening deposit
Terms from 5 to 60 months
Dividends compounded and paid quarterly
Backed by NCUA
Unlock your potential today!

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IRA Accounts

Retire smarter and safer. You should not have to worry about market fluctuations in your golden years. Grow you money safely and with tax benefits through our IRA accounts. We offer both Traditional and Roth accounts. Both come with outstanding benefits. What sets us apart is we will accept money already on deposit!

We offer savings accounts and CD accounts.

Call and talk to our professionals to see if these accounts are right for you! Your future self will thank you.

Quick Facts

Dividends compounded and paid quarterly
Traditional, Roth, and Education IRAs available
No yearly maintenance fees
IRA Variable Rate Accumulator available
Grow your wealth and watch your future blossom!

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Current Rates

Money Market Accounts

Account Types	Average Daily Balance Required to obtain APY	Dividend Rate	Annual Percentage Yield (APY)	Dividend Frequency	Minimum Opening Deposit
Money Market (90) $1,000 - $49,999	$1,000.00	0.02%	0.02%	Monthly	$1,000.00
Money Market (90) $50,000 - $99,999	$50,000.00	0.05%	0.05%	Monthly	$1,000.00
Money Market (90) >$100,000	$100,000.00	0.05%	0.05%	Monthly	$1,000.00
Money Market (90) >	$250,000.00	0.10%	0.10%	Monthly	$1,000.00

Certificate Rates

Fixed Rate Share Certificates of Deposit*

Effective Date: Thursday, October 23rd, 2025

Term	Dividend Rate	Annual Percentage Yield (APY)	Dividend Frequency	Minimum Opening Deposit
6 Month Share Certificate (06)	0.05%	0.05%	Quarterly	$500.00
12 Month Share Certificate (12)	0.05%	0.05%	Quarterly	$500.00
24 Month Share Certificate (24)	0.10%	0.10%	Quarterly	$500.00
36 Month Share Certificate (36)	0.10%	0.10%	Quarterly	$500.00
48 Month Share Certificate (48)	0.25%	0.25%	Quarterly	$500.00
60 Month Share Certificate (60)	0.25%	0.25%	Quarterly	$500.00
5 Month Jumbo Share Certificate (08)	3.46%	3.50%	Quarterly	$500,000.00
CD Rates below are a special rate that NETFCU is offering at this time, rates can change at any time

Fixed Rate Certificates of Deposit & Traditional IRA (8), Roth IRA (5), Coverdell Education Sav. (9)

Term	Dividend Rate	Annual Percentage Yield (APY)	Dividend Frequency	Minimum Opening Deposit
5 Month Share Certificate (05)	2.96%	3.00%	Quarterly	$500.00
13 Month Share Certificate (13)	2.72%	2.75%	Quarterly	$500.00
19 Month Share Certificate (14)	2.48%	2.50%	Quarterly	$500.00
27 Month Share Certificate (15)	2.43%	2.45%	Quarterly	$500.00
*Fixed Rate Share certificates, IRA, and Coverdell fixed rate share certificates are subject to an early withdrawal penalty equal to 90 days of loss of dividends on the amount withdrawn.
Rates subject to change without notice!

IRA Rates

IRA Savings Accounts

Account Types	Average Daily Balance Required to obtain APY	Dividend Rate	Annual Percentage Yield (APY)	Dividend Frequency	Minimum Opening Deposit
Traditional IRA Savings (81)	$0.01	0.02%	0.02%	Quarterly	$5.00
Roth IRA Savings (50)	$0.01	0.02%	0.02%	Quarterly	$5.00
Coverdell Education Savings (96)	$0.01	0.02%	0.02%	Quarterly	$5.00

Traditional IRA (8), Roth IRA (5), Coverdell Education Sav. (9)

Term	Dividend Rate	Annual Percentage Yield (APY)	Dividend Frequency	Minimum Opening Deposit
12 Month Share Certificate (80, 51,91)	0.05%	0.05%	Quarterly	$500.00
24 Month Share Certificate (82, 52, 92)	0.10%	0.10%	Quarterly	$500.00
36 Month Share Certificate (83, 53, 93)	0.10%	0.10%	Quarterly	$500.00
48 Month Share Certificate (84,54, 94)	0.25%	0.25%	Quarterly	$500.00
60 Month Share Certificate (85, 55, 95)	0.25%	0.25%	Quarterly	$500.00
*Fixed Rate Share certificates, IRA, and Coverdell fixed rate share certificates are subject to an early withdrawal penalty equal to 90 days of loss of dividends on the amount withdrawn.
Rates subject to change without notice!
IRA Rates below are a special rate that NETFCU is offering at this time, rates can change at any time

IRA Special Rates

Term	Dividend Rate	Annual Percentage Yield (APY)	Dividend Frequency	Minimum Opening Deposit
5 Month Share Certificate (66, 76, 90)	2.96%	3.00%	Quarterly	$500.00
13 Month Share Certificate (56, 86, 96)	2.72%	2.75%	Quarterly	$500.00
19 Month Share Certificate (67, 77, 97)	2.48%	2.50%	Quarterly	$500.00
27 Month Share Certificate (68, 78, 99)	2.43%	2.45%	Quarterly	$500.00
*Fixed Rate Share certificates, IRA, and Coverdell fixed rate share certificates are subject to an early withdrawal penalty equal to 90 days of loss of dividends on the amount withdrawn.
Rates subject to change without notice!