Deposit Rates & Account Information - NET Credit Union
(570) 961-5300

Interest Rates on your share savings

Share TypeMinimum Balance to receive dividendsAPY
Share Savings*$200.010.05%
$2500.010.05%
Share Holiday Club**$50.000.50%
Share Vacation Club**$50.000.50%
Digital Checking***If Qualifying Criteria Met:
$1.00 to $10,000
6.00%
$10,000.01 or greater0.30%
If Qualifying Criteria Not Met0.005%
Digital Checking:
Savings***
If Qualifying Criteria Met:
$1.00 to $10,000
0.75%
$10,000.01 or greater0.10%
If Qualifying Criteria Not Met0.005%
Checking Plus***If Qualifying Criteria Met:
$1.00 to $10,000
6.00%
$10,000.01 or greater0.30%
If Qualifying Criteria Not Met0.005%
Checking Plus: Savings***If Qualifying Criteria Met:
$1.00 to $10,000
0.75%
$10,000.01 or greater0.10%
If Qualifying Criteria Not Met0.005%

* Minimum Opening Deposit is $5.
** No Minimum Opening Deposit.
***Click to View Monthly Qualifications

Share Certificates (CD)

Term of CertificateMinimum Opening DepositAPY
6 Month – Youth$2501.20%
3 Months$10001.00%
6 Months$10001.20%
9 Months$10001.45%
12 Months$10001.70%
18 Months$10002.00%
24 Months$10002.10%
30 Months$10002.20%
36 Months$10002.30%
48 Months$10002.50%
60 Months$10002.70%

Penalty for Early withdrawal of Share Certificates – Forfeiture of dividends as shown below:
Early withdrawal penalty is based on term of certificate.
For certificates with an original term of 11 months or less, the penalty amount will be 90 days’ dividends.
For certificates with an original term between 12  and 17 months, the penalty amount will be 180 days’ dividends.
For certificates with an original term between 18 and 35 months, the penalty amount will be 365 days’ dividends.
For certificates with an original term between 36 and 59 months, the penalty amount will be 730 days’ dividends.
For certificates with an original term over 60 months, the penalty amount will be 910 days’ dividends.

IRA Certificates: Exceptions to Early Withdrawal Penalties: When an owners dies or is determined legally incompetent by a court or other body of competent jurisdiction. Minimum opening deposit of $1,000.  Early withdrawal penalty may reduce earnings. This penalty may reduce earnings of the certificate.

Money Market

BalanceAPY
$0-$2000.10%
$200 - 2,5001.00%
$2,500.01 - 25,0001.00%
$25,000.01 - 50,0001.15%
$50,000.01 - 100,0001.25%
$100,000-250,0001.50%
$250,000-500,0001.75%
$500,000+4.00%

*No Minimum Opening Deposit

IRA Share Balance

IRA Share BalanceAPY
$1+0.50%

APY = Annual Percentage Yield
APR = Annual Percentage Rate

Depositors are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. All Deposit Products are Variable Rate and subject to change without notice. Fees may reduce earnings. Rates current as of 2/1/2024.