6-, 12-, and 24-
month terms
Minimum opening deposit of $25,000
Interest compounded 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
Banking anywhere else would be a crime!
“You made what could have been a daunting, complicated process easy and seamless.”
– Steve
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
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. Interest is compounded and credited quarterly to your 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.
Get Answers. Get Started.
Our knowledgeable team is ready to help you realize your financial potential.
Find a Branch Contact UsFrequently Asked Questions
Certificates from NCPD FCU feature competitive rates and are available in 6-, 12-, and 24-month terms. Interest is compounded and credited quarterly to your 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.
Get Answers. Get Started.
Our knowledgeable team is ready to help you realize your financial potential.
Find a Branch Contact UsMore for
Your Life
Have other goals? You’ve
got options.
IRAs
HELOC
Checking
Credit Cards
Personal Loans
Savings Accounts
Expanding your family? Planning for a special holiday? Embrace finances that grow with you:
- Become a member and make your financial goals a reality with share savings.
- Teach healthy money habits early with youth savings.
- Get ahead on your holiday fund with holiday club accounts.
