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Share Certificate Account

Earn the most interest you can with your money

Higher Interest Rates

Share Certificates earn you more

Share Certificate Account

Share Term Certificates are an excellent option for saving money while earning at a higher rate. Maximize your money with an NJFCU Share Certificate.

Benefits

  • Minimum opening deposit as low as $500
  • Terms from 30 days to 60 months
  • Competitive fixed Rates
  • Dividends are compounded and paid monthly
  • Balances insured up to $250,000 through NCUA

Maximize your Money

with Higher Interest Rates & Earn more!

The information in the rate tables below may not fully be viewable on certain smaller resolution devices. Please rotate your device to landscape orientation to ensure you are viewing the entire table of information or please use a desktop computer.

TERM30 Days3 Months6 Months9 Months12 Months
DIVIDENDS
Annual Percentage Yield (APY), %
0.05%0.05%0.10%0.10%0.20%
Dividend Rate, %0.05%0.05%0.10%0.10%0.20%
Dividends CreditedMonthlyMonthlyMonthlyMonthlyMonthly
BALANCE REQUIREMENTS
Minimum Opening Balance
$1000.00$1000.00$1000.00$1000.00$500.00
Minimum to Earn APY$1000.00$1000.00$1000.00$1000.00$500.00
*We may impose a penalty if you withdraw any of the funds before the maturity date. The penalty will be up to 90 days loss of dividends on the amount withdrawn for term share certificates with terms of 30 days to 6 months, 180 days loss of dividends on the amount withdrawn for term share certificates with terms of over 6 months to 18 months, 270 days loss of dividends on the amount withdrawn for term share certificates with terms of 24 months to 30 months, and 365 days loss of dividends on the amount withdrawn for term share certificates with terms of 36 months to 60 months. You will have a grace period of 3 business days after maturity date to notify NJFCU of your intent to either a) renew your certificate at the prevailing rate, or b) withdraw the funds in the account without being charged an early withdrawal penalty. Withdrawals must be requested in writing. Unless we’re notified otherwise, accounts will auto-renew at current rate & same term.
TERM18 Months24 Months30 Months36 Months48 Months60 Months
DIVIDENDS
Annual Percentage Yield (APY), %
0.20%0.30%0.30%0.35%0.40%0.50%
Dividend Rate, %0.20%0.30%0.30%0.35%0.40%0.50%
Dividends CreditedMonthlyMonthlyMonthlyMonthlyMonthlyMonthly
BALANCE REQUIREMENTS
Minimum Opening Balance
$500.00$500.00$500.00$500.00$500.00$500.00
Minimum to Earn APY$500.00$500.00$500.00$500.00$500.00$500.00
*We may impose a penalty if you withdraw any of the funds before the maturity date. The penalty will be up to 90 days loss of dividends on the amount withdrawn for term share certificates with terms of 30 days to 6 months, 180 days loss of dividends on the amount withdrawn for term share certificates with terms of over 6 months to 18 months, 270 days loss of dividends on the amount withdrawn for term share certificates with terms of 24 months to 30 months, and 365 days loss of dividends on the amount withdrawn for term share certificates with terms of 36 months to 60 months. You will have a grace period of 3 business days after maturity date to notify NJFCU of your intent to either a) renew your certificate at the prevailing rate, or b) withdraw the funds in the account without being charged an early withdrawal penalty. Withdrawals must be requested in writing. Unless we’re notified otherwise, accounts will auto-renew at current rate & same term.
*If At Any Time Your Account Falls Below $50 (Par Value) Your Account Will Be Subject To A $5.00 Fee Per Quarter. A Balance Of Less Than $50 Without Activity In Account For The Prior 12 Months Will Cause A Dormancy Fee Of $10.00 Per Month. There Is A $3 Fee For Overdraft Protection And A Maximum Of 6 Electronic Debits, Including Overdraft Transfers, Are Allowed Per Month.

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