Share Certificates

Share Certificates are savings certificates that make investment affordable with their low balance requirements, and they often pay higher rates of return than other savings account options. Dividend rates are fixed for your term, in most cases, and you can withdraw dividends at any time without penalty (as long as you’re not withdrawing your principal).

To open a share certificate at Nusenda Credit Union, the minimum balance is $1,000, or $500 for an IRA Certificate. Terms range from 90 days to 5 years and accommodate a variety of financial plans. Bump Rate Certificates are available in 18-month and 36-month terms and provide flexibility to “bump up” the rate of your certificate once if rates rise during your term. You can also deposit additional funds to your certificate at that time. Want to earn even higher interest rates? Try a tiered certificate on a 36-month, 48-month, or 60-month term.

Not sure which certificate option is right for you? We’re here to help you plan for a healthy financial future in a way that works best for your needs. To explore your options, contact us today!

Traditional IRA >

Nusenda offers traditional IRA's to help you meet your retirement planning goals. Learn more

Roth IRA >

Get an IRA with tax savings deferred for earnings and withdrawals.  Learn more

Call us at 505-889-7755 (800-347-2838 outside the Albuquerque area) or make an appointment at a branch near you.

Rates

Certificate (IRA & Regular) 

 
Type Term Minimum Balance Required Dividend Rate APY*
Regular 3 months $1,000 0.20% 0.20%
IRA 3 months $500 0.20% 0.20%
Regular 6 months $1,000 0.25% 0.25%
IRA 6 months $500 0.25% 0.25%
Regular 12 months $1,000 0.40% 0.40%
IRA 12 months $500 0.40% 0.40%
Regular (Bump Rate) 18 months $10,000 and up 1.10% 1.11%
IRA (Bump Rate) 18 months $10,000 and up 1.10% 1.11%
Regular 24 months $1,000 - $24,999.99 1.00% 1.00%
IRA 24 months $1,000 - $24,999.99 1.00% 1.00%
Regular 24 months $25,000 - $49,999.99 1.09% 1.10%
IRA 24 months $25,000 - $49,999.99 1.09% 1.10%
Regular 24 months $50,000 - $74,999.99 1.24% 1.25%
IRA 24 months $50,000 - $74,999.99 1.24% 1.25%
Regular 24 months $75,000 - $99,999.99 1.29% 1.30%
IRA 24 months $75,000 - $99,999.99 1.29% 1.30%
Regular 24 months $100,000 - $199,999.99 1.34% 1.35%
IRA 24 months $100,000 - $199,999.99 1.34% 1.35%
Regular 24 months $200,000 and up 1.44% 1.45%
IRA 24 months $200,000 and up 1.44% 1.45%
Regular (Bump Rate) 36 months $10,000 and up 1.30% 1.31%
IRA (Bump Rate) 36 months $10,000 and up 1.30% 1.31%
Regular 36 months $1,000 - $9,999 1.25% 1.26%
Regular 36 months $10,000 and up 1.55% 1.56%
IRA 36 months $1,000 - $9,999 1.25% 1.26%
IRA 36 months $10,000 and up 1.55% 1.56%
Regular 48 months $1,000 - $9,999 1.14% 1.15%
Regular 48 months $10,000 - $24,999 1.19% 1.20%
Regular 48 months $25,000 and up 1.24% 1.25%
IRA 48 months $1,000 - $9,999 1.14% 1.15%
IRA 48 months $10,000 - $24,999 1.19% 1.20%
IRA 48 months $25,000 and up 1.24% 1.25%
Regular 60 months $1,000 - $9,999 1.54% 1.55%
Regular 60 months $10,000 - $24,999 1.59% 1.60%
Regular 60 months $25,000 and up 1.64% 1.65%
IRA 60 months $1,000 - $9,999 1.54% 1.55%
IRA 60 months $10,000 - $24,999 1.59% 1.60%
IRA 60 months $25,000 and up 1.64% 1.65%


You must maintain the minimum daily balance in your account each day to obtain the disclosed Annual Percentage Yield.


Fees may reduce the earnings on dividend-earning accounts. Penalties may also be imposed for early withdrawal.


All minimum balances shown above supersede any disclosed in our "Account Information" brochure.


**Annual Percentage Yield (APY) is accurate as of June 15, 2017. Offer and rates are subject to change at any time without prior notice. 

Schedule An Appointment

Schedule an appointment with a Financial Consultant to learn more about our Share Certificates. Call 505-889-7755 (800-347-2838 outside the Albuquerque area), or visit your favorite branch for more information.

 

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