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Certificate Rates

Rates last updated 06/02/2025

Share Certificate Accounts**
Term Rate APY* Min. Deposit
6 Month Certificate 3.00% 3.04% $500
12 Month Certificate 3.50% 3.56% $500
24 Month Certificate 2.00% 2.02% $500
36 Month Certificate 1.50% 1.51% $500
48 Month Certificate 1.35% 1.36% $500
60 Month Certificate 1.30% 1.31% $500
High Balance Share Certificate Accounts**
Term Rate APY* Min. Deposit
6 Month Certificate 3.25% 3.30% $50,000
12 Month Certificate 3.75% 3.82% $50,000
24 Month Certificate 2.25% 2.27% $50,000
36 Month Certificate 1.50% 1.51% $50,000
48 Month Certificate 1.35% 1.36% $50,000
60 Month Certificate 1.30% 1.31% $50,000
Youth Share Certificate Accounts***
Term Rate APY* Minimum Deposit
12 Month DREAM Certificate*** 5.00%*** 5.12%*** $100
3 Year Certificate 1.75% 1.76% $100
4 Year Certificate  1.55% 1.56% $100
5 Year Certificate 1.50% 1.51% $100

These Rates are current as of the above date and are subject to change on a weekly basis. It is the intention of NuVista Federal Credit Union to pay these dividends, however, they are subject to change and cannot be guaranteed.

*APY = Annual Percentage Yield

**For early withdrawals on Share Certificate Accounts:

Certificates with a maturity of 12 months or less, the penalty is 90 days of dividends.

Certificates with a maturity of 13-35 months, the penalty is 180 days of dividends.

Certificates with a maturity of 36 months or longer, the penalty is 365 days of dividends.

The penalty is calculated as a forfeiture of the dividends that have been or would be earned on the account.

 

*** Youth Share Certificates
Youth Share Certificates are add on Certificates, so deposits can be made to them.

For early withdrawals on Youth Share Certificate Accounts:

Certificates with a maturity of 12 months or less, the penalty is 90 days of dividends.
Certificates with a maturity of 13-35 months, the penalty is 180 days of dividends.
Certificates with a maturity of 36 months or longer, the penalty is 365 days of dividends.
The penalty is calculated as a forfeiture of the dividends that have been or would be earned on the account.

The DREAM Certificate Rate Structure - Portion of your daily balance: Up to $1,000.00 earns current DREAM Certificate Rate, the amounts of $1,000.01 and up earn the current rate of a 12-Month Certificate.