CERTIFICATES
About Certificates
Certificates provide a secure and low-risk savings or investment option that guarantees a competitive return on your funds. Unlike standard savings accounts, certificates offer the opportunity to earn higher interest rates, making them an attractive choice for individuals looking to maximize their savings.
Special Offer!
12-Month CD Special
3.90% APY*
Smart Steps Toward Long-Term Growth
Certificates offer flexible terms from 3 to 60 months and require only a $1,000 minimum deposit – making them accessible to a wide range of investors. With no maintenance or setup fees, they provide a secure, cost-effective option for growing your savings, whether you’re targeting short-term goals or a long-term investment.
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We’d love to welcome you! Once you’re a member, you’ll be able to open accounts and take full advantage of everything we offer.
Frequently Asked Questions About Certificates
A certificate (sometimes called a CD) is a low-risk savings option where you deposit money for a set period of time. In return, you receive a guaranteed interest rate that’s typically higher than a regular savings account.
Certificates are available in a variety of time frames. When you choose a term, your money is held for that period, and you earn interest until it matures. Shorter terms provide quicker access, while longer terms generally earn higher rates.
Yes, but taking money out before maturity may result in an early withdrawal penalty. Certificates work best when you can leave the funds untouched for the full term.
Certificates often provide higher returns than savings accounts, making them a smart choice if you don’t need immediate access to your money. They offer a predictable, low-risk way to grow your savings over time.
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*APY = Annual Percentage Yield. APY is accurate as of 10/16/2026. A minimum deposit of $1,000 with a minimum of $1,000 in new money is required to open the certificate and earn the advertised APY. New money restrictions apply. Certificate term is 12 months. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates and promotional availability are subject to change without notice prior to account opening. Membership eligibility requirements apply. Contact New Alliance Federal Credit Union for complete details. Federally insured by NCUA.