> Online Banking Sign-on
 
 
Home > Personal Banking > Account Choices > Savings > Saver Certificates
 

Saver Certificates

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.

 
  • Opening deposits as low as $251
  • Terms from 6 to 36 months
  • 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®

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

Rates effective December 16, 2009 APY = Annual Percentage Yield

Investment Term Minimum Balance Dividend Rate APY
Saver 6 months $500 0.40% 0.40%
Saver 12 months $500 0.45% 0.45%
Saver 36 months $25 1.65% 1.66%
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

1 Requires minimum deposits of $50 per month. If any withdrawals, including dividend withdrawals, are made prior to maturity, the rate becomes the same as our regular share savings rate. 180-day dividend early withdrawal penalty applies.
 

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.