Certificates

Let Your Money Work for You

Enjoy competitive rates on certificates that work as hard for you as you do for your community.
See Rates
Read FAQs

Certificates

Let Your Money Work for You

Enjoy competitive rates on certificates that work as hard for you as you do for your community.
See Rates Read FAQs

6-, 12-, and 24-
month terms

Minimum opening deposit of $25,000

Dividends credited quarterly

Funds transfer to chosen account at maturity

Available for Traditional and Roth IRAs

Banking anywhere else would be a crime!

 

“You made what could have been a daunting, complicated process easy and seamless.”

– Steve

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Banking anywhere else would be a crime!

 

“You made what could have been a daunting, complicated process easy and seamless.”

– Steve

Share Your Thoughts

More to Know

Retirement Accounts

When your certificate reaches maturity, your funds can be transferred directly to your NCPD Federal Credit Union Traditional or Roth retirement account, instead of your share account.

  • $5 minimum opening deposit for IRAs
  • Dividends compounded and posted quarterly
  • Multiple contribution options available
Learn More

Competitive Rates

Start earning competitive rates on certificates and meet your financial
goals sooner. Shorter terms offer slightly higher rates.

Rates subject to change at any time.

See Rates

Shared Branching

As an NCPD FCU member, you’ll enjoy access to a national network of convenient credit union locations throughout the country. Simply provide your member number and identification. Learn More

Frequently Asked Questions

 

Certificates from NCPD FCU feature competitive rates and are available in 6-, 12-, and 24-month terms. Upon maturity, funds are typically transferred to your NCPD FCU share account.

Certificates are also available for your NCPD FCU Traditional or Roth IRA accounts. Upon maturity, your IRA Certificate funds are transferred back to your Traditional or Roth IRA share account.

Early withdrawals are subject to penalty.

 

NCPD FCU offers Traditional, Roth, and Coverdell Education individual retirement accounts.

  • Traditional IRAs are tax-deferred accounts that allow you to invest pre-tax income.
  • Roth IRAs let you invest after-tax income.
  • Coverdell Education IRAs offer a way to save for your child’s education expenses. Contributions are non-deductible. Distributions and withdrawals may be penalty- and/or tax-free.

All IRAs are federally insured by the National Credit Union Association up to $250,000.

Learn More

 

Get Answers. Get Started.

Our knowledgeable team is ready to help you realize your financial potential.

Find a Branch Contact Us

Frequently Asked Questions

 

Certificates from NCPD FCU feature competitive rates and are available in 6-, 12-, and 24-month terms. Upon maturity, funds are typically transferred to your NCPD FCU share account.

Certificates are also available for your NCPD FCU Traditional or Roth IRA accounts. Upon maturity, your IRA Certificate funds are transferred back to your Traditional or Roth IRA share account.

Early withdrawals are subject to penalty.

 

NCPD FCU offers Traditional, Roth, and Coverdell Education individual retirement accounts.

  • Traditional IRAs are tax-deferred accounts that allow you to invest pre-tax income.
  • Roth IRAs let you invest after-tax income.
  • Coverdell Education IRAs offer a way to save for your child’s education expenses. Contributions are non-deductible. Distributions and withdrawals may be penalty- and/or tax-free.

All IRAs are federally insured by the National Credit Union Association up to $250,000.

Learn More

 

Get Answers. Get Started.

Our knowledgeable team is ready to help you realize your financial potential.

Find a Branch Contact Us