Savings Rates
Rates Effective November 1, 2023. 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% |
|
**Save For a Purpose – Juntos Ahorramos |
0.050% |
0.05% |
|
**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% |
*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
Individual Retirement Account (IRA) Rates
| Traditional, Roth & Education | 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 Promotional Rate (CD)
Limited Time Pick Your Term Savings CD 5.50% APY*
Choose a 5-,7-, or 9-month term**
Minimum balance $1,000
Share Certificate Rates (CD)
| Term | Dividend Rate | APY* |
|---|---|---|
|
3 Months |
1.00% |
1.00% |
|
6 Months |
1.49% |
1.49% |
|
9 Months |
1.49% |
1.50% |
|
12 Months |
1.99% |
2.00% |
|
15 Months Liquid*** |
3.93% |
4.00% |
|
16 Months |
1.99% |
2.00% |
|
18 Months |
2.23% |
2.25% |
|
24 Months |
3.93% |
4.00% |
|
36 Months |
2.62% |
2.65% |
|
48 Months |
3.59% |
3.65% |
|
60 Months |
3.93% |
4.00% |
$1,000 Minimum Balance for Share Certificates
*APY = Annual Percentage Yield. Dividends are compounded and credited monthly using average daily balance method.
Pick Your Term Limited Time Savings CD
**APY = Annual Percentage Yield. Dividends are compounded and credited monthly using average daily balance method. $1,000 minimum deposit to qualify for the 5, 7, 9 Month Pick Your Term Promotional Certificate rate. Member can choose a 5, 7 or 9 month term at the time the certificate is opened. At maturity the 5 month and 7 month Promotional Certificates rolls into a 6-month non-promotional certificate at the current rate, the 9 month Promotional Certificate rolls into a 9 month non-promotional certificate at the current rate. A penalty for early withdrawal applies to all certificate terms. Other conditions may apply. Promotional offer cannot be combined with any other offers. Rates are valid as of November 1, 2023. All rates and offers are subject to end at any time without notice. Nutmeg State Financial Credit Union is federally insured by the National Credit Union Administration.
Liquid Savings CD
***$5,000 minimum deposit of new money from another financial institution to qualify for the 15 Month Liquid Certificate. The 15 Month Liquid Certificate allows for unlimited deposits and 3 penalty-free withdrawals within the life of the Certificate. Normal penalties will apply if more than 3 withdrawals occur in the 15 month term. Must maintain a minimum balance of $5,000 in order to receive this special rate. If the balance goes below $5,000 at any point during the 15 month term the rate will default to the standard 12 Month Certificate term rate where standard Certificate terms apply. Upon maturity, the Certificate will rollover to the default 12 month rate unless otherwise requested. Other conditions may apply. Promotional offer cannot be combined with any other offers. All rates and offers are subject to end at any time without notice. Nutmeg State Financial Credit Union is federally insured by the National Credit Union Administration