13-month CD or CD IRA Opportunity:
Consider our 13-month CD or CD IRA if you want to invest a fixed amount with a guaranteed rate and term. You’ll receive an excellent 4.90% APY* on your money for a limited time.
Key benefits:
- Minimum Deposit: $50,000
- Term: 13 Months
- APY: 4.90%*
Our 13-month CD is a great way to see a solid return with the security of a fixed APY. It’s ideal for a specific savings goal or to boost your earnings with a guaranteed rate and term.
Understanding CDs:
By choosing a CD or CD IRA, you’re committing your money for a set period, ranging from several months to years. In exchange, you earn a fixed interest rate. When the term ends, you have your initial deposit and interest earned.
CDs are safe and insured up to $250,000 by the NCUA and an extra $250,000 for IRAs. But remember, taking money out before the term ends can lead to penalties and reduced earnings.
Consider Health Savings Accounts (HSAs):
HSAs are for those with high-deductible health plans, allowing you to set aside pre-tax money for medical expenses. They offer a triple tax advantage:
- Tax-deductible contributions.
- Tax-free growth.
- Tax-free withdrawals for qualified medical expenses.
With NCACU, HSAs yield a .50% APY**, compounded and credited monthly.
Explore Money Market Accounts:
Want your savings to earn more but still have easy access to your money? Open a Money Market Account. It’s a smart way to elevate your savings while keeping flexibility.
NCACU is your solid savings choice!
- Member Focus: We prioritize your financial success.
- Top Rates: Our savings products offer competitive returns.
- Local Insight: We know our community’s financial landscape.
- Flexible Options: We have a range of deposit products.
- Safety First: Your savings are federally insured up to $250,000 by the NCUA.
Boost your savings with NCACU! Call (989) 910-5135 or (616) 532-9067 to learn more.