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Saver Certificates

Starting a savings plan couldn't be easier. Our 36-month Saver Certificate offers a lower minimum to open and better-than-savings dividends.

  • Opening deposits as low as $251
  • 36 month term
  • We'll transfer your IRA certificate 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 APY = Annual Percentage Yield

Investment Term Minimum Balance Dividend Rate APY
Saver 12 months $500 0.10% 0.10%
Saver 36 months $25 0.75% 0.75%
See Also
IRAs are another great option for long-term savings.
Learn about Island checking accounts. With one, 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 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.