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Share Certificates

Need to save for long-term goals and don't need immediate access to your cash? Island share certificates feature our highest dividend rates and guaranteed returns.

 
 
  • Opening deposit as low as $251
  • Terms from 90 days to 60 months
  • Penalty-free dividend withdrawals (unless otherwise disclosed)
  • Use as collateral for secured loans
  • Convenient, automatic renewal at maturity with a 7-day grace period notification
  • We'll transfer your certificate or IRA from another institution free of charge
  • Free view-only account access via Online Banking and NiftiPhone®

NEW Open a new 36 Month Saver Certificate with as little as $251

  |  Find a branch |  Call (800) 848-5654, option 5

Rates effective July 13, 2009 APY = Annual Percentage Yield

Investment Term Minimum Balance Dividend Rate APY
Saver 6 months $500 0.50% 0.50%
Saver 12 months $500 0.85% 0.85%
Saver 1 36 months $25 1.65% 1.66%
Share 3 months $2,500 0.30% 0.30%
Share 6 months $2,500 0.49% 0.49%
Share 12 months $2,500 0.64% 0.64%
Share 18 months $2,500 0.99% 1.00%
Share 24 months $2,500 1.34% 1.35%
Share 30 months $2,500 1.34% 1.35%
Share 36 months $2,500 1.65% 1.66%
Share 60 months $2,500 2.15% 2.17%
Mini-Jumbo Share 3 months $10,000 0.33% 0.33%
Mini-Jumbo Share 6 months $10,000 0.52% 0.52%
Mini-Jumbo Share 12 months $10,000 0.67% 0.67%
Mini-Jumbo Share 18 months $10,000 1.27% 1.27%
Mini-Jumbo Share 24 months $10,000 1.37% 1.38%
Mini-Jumbo Share 30 months $10,000 1.37% 1.38%
Mini-Jumbo Share 36 months $10,000 1.68% 1.69%
Mini-Jumbo Share 60 months $10,000 2.18% 2.20%
Jumbo Share 3 months $100,000 0.36% 0.36%
Jumbo Share 6 months $100,000 0.55% 0.55%
Jumbo Share 12 months $100,000 0.70% 0.70%
Jumbo Share 18 months $100,000 1.30% 1.31%
Jumbo Share 24 months $100,000 1.40% 1.41%
Jumbo Share 30 months $100,000 1.40% 1.41%
Jumbo Share 36 months $100,000 1.71% 1.72%
Jumbo Share 60 months $100,000 2.21% 2.23%
See Also
IRAs are another great option for long-term savings.
 
Learn about our Island Checking account. With it, you can view your checking and money market activity in a single statement.

 

Terms & Conditions

See Deposit Account Agreement & Disclosure for Truth-In-Savings disclosure and early withdrawal penalties that may apply to Share/IRA/Saver Certificates.
 

Programs (including but not limited to fees, rates, and features) are subject to change without notice. After account is opened, dividend rate and APY may change at North Island Credit Union's discretion. Fees may reduce earnings.
 

1 Requires monthly deposit of $50 per calendar month to obtain the disclosed APY. No withdrawals permitted to obtain the disclosed APY.