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Certificates

To meet your specific savings needs, we offer a range of products that vary in dividend rates, ease of access, and balance levels.
 

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 $25.1
  • Terms from 12 - 36 months.
  • We'll transfer your IRA certificate from another institution free of charge.
  • Free view-only account access via Digital Banking and 24-Hour Telephone Teller.

Share Certificates

Are you saving for longer-term goals and don't need immediate access to your cash? Our share certificates offer competitive dividends with guaranteed returns based on tiered balances and terms.
  • Opening deposits $2,500.
  • Terms from 12 - 60 months.
  • Penalty-free dividend withdrawals (unless otherwise disclosed).
  • Use as collateral for secured loans.
  • We'll transfer your IRA certificate from another institution free of charge.
  • Free view-only account access via Digital Banking and 24-Hour Telephone Teller.
 
 
Apply Now | Contact Us | Find a branch | Call (800) 848-5654, option 5
 
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. A 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.
Fees may reduce earnings.