Savings Rates
Rates Effective October 31, 2025. Rates are subject to change daily.
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Savings Rates
| Account Type | Dividend Rate | APY* |
|---|---|---|
|
Regular Share*** |
0.050% |
0.050% |
|
Kidz Club** |
0.050% |
0.050% |
|
Club Account** |
0.050% |
0.050% |
|
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% 3.00% 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
****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 |
0.050% |
0.05% |
*APY = Annual Percentage Yield
Rates are subject to change at any time
Share Certificate Rates (CD)
| Term | Dividend Rate | APY* |
|---|---|---|
|
3 Months |
1.00% |
1.00% |
|
6 Months |
1.49% |
1.49% |
|
9 Months** (Promotional Rate) |
3.69% |
3.75% |
|
12 Months |
1.99% |
2.00% |
|
14 Months*** (Promotional Rate) |
3.59% |
3.65% |
|
18 Months |
2.23% |
2.25% |
|
20 Months**** (Promotional Rate) |
3.40% |
3.45% |
|
24 Months |
2.52% |
2.55% |
|
36 Months |
2.42% |
2.45% |
|
48 Months |
2.47% |
2.50% |
|
60 Months |
2.42% |
2.45% |
Early withdrawal penalties may apply to Share Certificates. Please refer to the account terms and conditions for details.
Upon certificate maturity, there is a 10-day grace period, otherwise certificate will automatically renew.
$1,000 Minimum Balance to open and earn APY on Share Certificates. Fees may reduce earnings.
All rates and offers are subject to change or end at any time without notice. Nutmeg State Financial Credit Union is federally insured by the National Credit Union Administration.
*APY = Annual Percentage Yield. Dividends are compounded and credited monthly using average daily balance method.
**At maturity, the 9-month promotional certificate will roll into a 6-month non-promotional certificate at the then-current rate. A minimum deposit of $1,000 is required to open the account and earn the advertised APY. A penalty will be imposed for early withdrawal. Fees may reduce earnings on the account. This promotional offer cannot be combined with any other offers.
***At maturity, the 14-month promotional certificate will roll into a 12-month non-promotional certificate at the then-current rate. The minimum deposit is $1,000 per member. A penalty for early withdrawal applies to all certificate terms. Other conditions may apply. This promotional offer cannot be combined with any other offers.
****At maturity, the 20-month promotional certificate will roll into an 18-month non-promotional certificate at the then-current rate. The maximum deposit is $100,000 per member. Members are eligible to make one additional deposit after the certificate has been open for 90 days. A penalty for early withdrawal applies to all certificate terms. Other conditions may apply. This promotional offer cannot be combined with any other offers.