Deposit Rates

Earn more on your savings

When you’re looking to save, there’s no better place than NRLFCU. Our rates are among the best around. Take a look.

Rates and Annual Percentage Yields are effective as of 01/01/2021

Rates are subject to change at any time.


Type Dividend Rate APY Minimum Balance
Savings 0.05% 0.05% $5.00
Club Account 0.05% 0.05% None
Coverdell ESA 0.15% 0.15% None
Money Market 0.00% 0.00% <$2,500
Money Market 0.15% 0.15% $2,500 - $9,999.99
Money Market 0.15% 0.15% $10,000 - $24,999.99
Money Market 0.15% 0.15% $25,000 - $49,999.99
Money Market 0.25% 0.25% $50,000 - $99,999.99
Money Market 0.30% 0.30% $100,000 - $249,999.99
Money Market 0.30% 0.30% > $250,000
Roth/Traditional IRA Share 0.20% 0.20% None
Share Draft/Checking 0.00% 0.00% None
VIP Money Maker 0.00% 0.00% < $100,000
VIP Money Maker 0.35% 0.35% > $100,000

Roth/Traditional IRA Certificate

Type Dividend Rate APY Minimum Balance
12 Months .15% .15% $500
24 Months .20% .20% $500
36 Months .25% .25 $500


Facts and Fees.

Rates are variable and are determined at the discretion of the Board of Directors. Therefore, the Dividend Rate and Annual Percentage Yield (APY) may change. Dividend Rates and APYs shown were offered within effective dates shown. Please call the Credit Union to obtain current rate information.

Minimum balances shown are required for initial account opening.

Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Dividends accrue from the date of deposit and are calculated on the daily balance and compounded and paid on the following:

Account Type Compounded Paid
Regular & Club Savings Quarterly Quarterly
Checking None N/A
Money Maker & VIP Money Maker Daily Monthly
Share Certificates Monthly Monthly
Roth/Traditional IRA Share Monthly Monthly
Roth/Traditional IRA Certificate Monthly Monthly
Coverdell ESA Monthly Monthly

Under Regulation CC, the Credit Union may reserve the right to hold funds; please see Disclosures and Agreement booklet. Accrued dividends will be paid at account closing. Certain fees and charges may apply to your account as disclosed on “Facts and Fees” and would reduce the earnings on the account if applied. Preauthorized, electronic or telephone transfers are limited to six (6) per month.

Rates are fixed for all share certificates from the time it is established until the maturity date. Share Certificates (including IRAs) automatically renew with notice at least 20 days prior to maturity; additional deposits are not permitted. Withdrawal or transfer of certificate funds is permitted within a 10-day grace period following the maturity date. There is a penalty for early withdrawal; IRS may impose penalties for early withdrawal from IRAs.

VIP Money Maker Members enjoy additional coverage of non-IRA funds up to $250,000 through Excess Share Insurance, Inc.

1 Rates are not presented here with the maximum Loyalty Reward (.25%) in place. Your rate on these new services will vary based on the level of Loyalty Rewards you qualify for. Calculate your Loyalty Reward level and add it to the base dividend rate to determine what your rate will be.

When you establish a new certificate, your rate will improve from the base rate by .05% for each of the following:

  • Direct Deposit to NRLFCU
  • eStatements with NRLFCU
  • An active VISA® CheckCard with NRLFCU
  • Transfer a loan from another financial institution to NRLFCU
  • Apply for the new account online with NRLFCU
  • $250,000 or more on deposit with NRLFCU
  • A First Trust Mortgage loan from NRLFCU

Any three or more conditions met, and you’ll qualify for the maximum Loyalty Reward of .25%. Visit here for complete details.