Certificates (CDs)
Guaranteed growth with a rate you lock in today.
What is a share certificate? A certificate (the credit union version of a CD) lets you set aside money for a fixed term — from a few months to several years — in exchange for a guaranteed dividend rate that's typically higher than a regular savings account. Your funds are federally insured.
What you get
- Guaranteed, fixed dividend rate for the full term
- Terms from short-term to long-term
- Federally insured by NCUA
- Great for laddering savings goals
- Automatic renewal options
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 months | 3.93% | 4.00% |
| 12 months | 4.31% | 4.40% |
| 24 months | 4.07% | 4.15% |
| 60 months | 3.93% | 4.00% |
Rates shown are illustrative placeholders for this design preview. Replace with NCACU's current published rates before launch. APY = Annual Percentage Yield; APR = Annual Percentage Rate.
Frequently Asked Questions
You'll have a grace period to add funds, withdraw, or let the certificate renew. We'll notify you before it matures.
Yes, withdrawing before maturity may incur a dividend penalty. Choose a term that matches when you'll need the money.
Ready to become a member?
Opening an account online takes about ten minutes. Membership is open to anyone who lives, works, worships, or attends school in our Michigan communities.