Savings Rates
Rates Effective September 28, 2026. Rates are subject to change daily.
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Savings Rates
| Account Type | Dividend Rate | APY* |
|---|---|---|
|
Regular Share*** |
0.05% |
0.05% |
|
Kidz Club** |
0.05% |
0.05% |
|
Club Account** |
0.05% |
0.05% |
|
Money Market Account**** $1,000-$19,999 $20,000-$74,999 Over $75,000 |
0.35% 0.45% 0.55% |
0.35% 0.45% 0.55% |
|
High-Yield Savings Account (HYSA)***** Under $2,500 $2,500 – $100,000 Amounts over $100,000 |
0.00% 2.96% 0.50% |
0.00% 3.00% 0.50% |
*APY = Annual Percentage Yield
Rates are subject to change at any time and fees may reduce earnings.
**No minimum balance to open / Minimum $100 Balance to qualify for interest. Full balance will earn the stated APY.
*** $5 Minimum to open account / Minimum $100 Balance to qualify for interest. Full balance will earn the stated APY.
**** Zero dollars to open the Money Market, $1,000 minimum balance to earn the stated APY.
*****The advertised Annual Percentage Yield (APY) will only be available for new money that you deposit into the High-Yield Savings Account; funds cannot be transferred from an existing NSFCU account into the HYSA to qualify for the advertised APY. HYSAs with less than $2,500 are not eligible to earn interest. Once the amount of funds in your HYSA exceeds $100,000, you will continue to earn 3.00% APY on the first $100,000, but all portions of the funds in the HYSA exceeding $100,000 will earn interest at the lesser rate of 0.50% APY. The advertised APY is accurate as of 10/14/25, however, the APY may be changed after the account is opened without notice to you. Other terms and conditions may apply.
Individual Retirement Account (IRA) Rates
| Traditional & Roth | Dividend Rate | APY* |
|---|---|---|
|
Fixed Rate |
Same Terms & |
|
|
Variable Rate |
0.05% |
0.05% |
*APY = Annual Percentage Yield
Rates are subject to change at any time