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Certificate Rates

Rates last updated 12-31-18

Certificate Accounts**
Term Rate APY* Min. Deposit
6 Month Certificate .50% .50% $500
12 Month Certificate .75% .75% $500
24 Month Certificate 1.00% 1.00% $500
36 Month Certificate 1.30% 1.31% $500
48 Month Certificate 1.50% 1.51% $500
60 Month Certificate 2.00% 2.02% $500
High Balance Certificate Accounts**
Term Rate APY* Min. Deposit
6 Month Certificate .60% .60% $50,000
12 Month Certificate .85% .85% $50,000
24 Month Certificate 1.10% 1.11% $50,000
36 Month Certificate 1.40% 1.41% $50,000
48 Month Certificate 1.60% 1.61% $50,000
60 Month Certificate 2.10% 2.12% $50,000
NuGeneration (Youth) Certificate Accounts***
Term Rate APY* Minimum Deposit
3 Year Certificate 1.45% 1.46% $100
4 Year Certificate  1.65% 1.66% $100
5 Year Certificate 2.15% 2.17% $100

*APY = Annual Percentage Yield

**For early withdrawal on certificate accounts, certificates with a maturity under 12 months, penalty is 90 days of dividends. Certificates with a maturity of 12-35 months, penalty is 180 days dividends. Certificates with a maturity of 36 months and longer, penalty is 365 days dividends. The penalty is calculated as a forfeiture of past of the dividends that have been or would be earned on the account.

*** NuGeneration Certificates
All NuGeneration Certificates have a max of $3,000 total deposits. Accrued interest is not included.  Please note that if there is an overage we have the right to liquidate that money into a share account.
NuGeneration Certificates are add on certificates, so deposits can be made to them.

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.