Share Certificates from NCCYou

A secure and rewarding way to grow your savings.

Share Certificates

• $1,000 minimum opening balance
• Terms available from 6 months to 60 months
• Terms up to 24 months; interest compounded daily, paid at maturity
• Terms greater than 24 months; interest compounded daily, paid quarterly
• Automatically renew at current market rate unless designated otherwise by member
• 10-day grace period to withdraw funds after maturity

Youth Certificates
Give your kids another reason to smile!

• $250 minimum opening balance
• 12 or 36 month terms
• 12-month term; interest compounded daily, paid at maturity
• 36-month term; interest compounded daily, paid quarterly
• Can be added to at any time in $100 increments
• Automatically renew until member turns 18
• Once the member turns 18, funds will be deposited into share account at maturity

*All rates and terms are effective as of November 22, 2024, and are subject to change without notice. Dividend rates given are Annual Percentage Yields (APY). Rates may change after account is opened. Fees may reduce earnings. Please see the Fee Schedule to view fees that may apply.

Interest on share certificates of less than 24 months paid at maturity; interest on share certificates of 24 months or more paid quarterly. Minimum share account balance is $5. A minimum of $1,000 is required as an opening balance for certificates. A minimum of $250 is required as an opening balance for youth certificates. A penalty will be imposed for early withdrawal of certificates.