Savings & Certificates
To meet your specific savings needs, we offer a full range of products that vary in dividend rates, ease of access, and balance levels.
Which Savings Products Are Right For You?
Save for unplanned expenses and special purchases while earning dividends for balances over $100.1 Use also for overdraft protection on Island Checking.
Earn better-than-savings dividends while retaining liquidity. Choose from our two types of money market accounts - Island and Premium.
Starting a savings plan couldn't be easier. Our Saver Certificates offer a lower minimum to open and better-than-savings dividends. Choose from 6-, 12-, or 36-month terms.
Are you saving for longer-term goals and don't need immediate access to your cash? Our wide selection of share certificates offer competitive dividends with guaranteed returns based on tiered balances and terms.
Maximize your dividends! Our Ladder Certificates offer our highest dividend rates with 3-year and 5-year options that require only a minimum opening deposit of $1,000 to each certificate, and offer more liquidity than a single longer-term certificate.
Giving wedding cash is a breeze with this unique, interest-bearing savings account for couples about to be married.
| Minimum to open | Deposits and withdrawals allowed | Check access | Overdraft protection for checking | ||
| Share Savings | $52 | Yes1 | No | Yes |  |
| Money Market Accounts | Ranges from $2,500 to $25,000 | Yes1 | Depends on product1,3 | Yes | |
| Saver Certificates | Ranges from $25 to $500 | Only during grace period | No | No | |
| Share Certificates | Ranges from $2,500 to $100,000 | Only during grace period | No | No | |
| Ladder Certificates | Minimum $1,000 to each required certificate | Only during grace period | No | No | |
| MatriMoneySM | $200 | Yes1 | No | No | |
Terms & Conditions
1 Dividends are only paid out for balances over $100
2 No more than six non-branch transfers, withdrawals, checks, or electronic debits per calendar month from your share savings or money market accounts. Refer to our Deposit Account Agreement & Disclosure for full details.
3 Premium Money Market Accounts come with check writing privileges (up to three cleared checks per month)
Site Map | Privacy Policy | Interactive San Diego | Site Feedback
This credit union is federally insured by the National Credit Union Administration.
Island Paradise artwork property of North Island Credit Union.
Copyright © 1998-2010. North Island Credit Union. All rights reserved.