Last Updated: 04/18/2025
New Hampshire FCU Choice Certificate Specials
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Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
4.50% - 5.25%(Verified 06/21/2024)
Minimum Opening Deposit
Starting at $250
Certificate Term
- 13 months
- 15 months
New Hampshire FCU Choice Certificate Specials Review
New Hampshire FCU Choice Certificate Specials are offered by New Hampshire Federal Credit Union, a credit union founded in 1941 and based in Concord, NH. New Hampshire FCU Choice Certificate Specials are available in 50 states and Washington, DC.
Key Takeaways
- Only one share certificate type available. New Hampshire FCU Choice Certificate Specials only offers traditional share certificate accounts.
- Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 5.25%, which is much higher than the national average for a certificate account.
- $250 minimum deposit. This is a typical minimum initial deposit for the certificates we track.
- Limited selection of share certificate terms. New Hampshire FCU Choice Certificate Specials only offers two share certificate terms. This limits your options when trying to set up a certificate ladder.
Pros & Cons of New Hampshire FCU Choice Certificate Specials
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New Hampshire FCU Choice Certificate Specials FAQ
Are share certificates from New Hampshire Federal Credit Union federally insured?
Yes, your share certificates are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What is the difference between CDs and Share Certificates?
Certificates of Deposit (CDs) and Share Certificates are both deposit accounts where your money can grow at a fixed rate for a predetermined period of time. Both are low-risk and federally insured products designed to give you a better rate on your deposits than typical savings accounts. The main difference between them is that CDs are offered by for-profit banks, whereas Share Certificates are offered by member-owned, not-for-profit credit unions.
What types of share certificates does New Hampshire Federal Credit Union offer?
New Hampshire FCU Choice Certificate Specials provides the following types of share certificates.- Traditional share certificates. These share certificates pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the share certificate for another term.
What rates does New Hampshire Federal Credit Union offer on its share certificates?
New Hampshire FCU Choice Certificate Specials offers an APY starting at 4.50% and ranging up to 5.25%. APY stands for annual percentage yield and shows the interest rate paid by the share certificate after taking into account compounding. This is higher than the typical interest rate for online-only checking accounts, which is around 1% APY.
What terms does New Hampshire FCU Choice Certificate Specials offer?
New Hampshire Federal Credit Union offers share certificate terms of the following lengths:| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Certificate Term |
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| APY (Annual Percentage Yield) | 4.50% - 5.25% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 15-month APY | 4.75% - 5.25% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 13-Month APY | 4.50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the minimum deposit to open a share certificate account with New Hampshire Federal Credit Union?
New Hampshire FCU Choice Certificate Specials require a minimum deposit of $250 to open an account.
What is the grace period for New Hampshire FCU Choice Certificate Specials?
New Hampshire FCU Choice Certificate Specials does not specify what their grace period is. A grace period is a period of time during which you can withdraw the money in your share certificate without paying an early withdrawal penalty. A grace period starts the day after a share certificate’s maturity date, or the final day a share certificate is opened. Standard share certificates renew automatically at the same term if you don't withdraw your money after the grace period. Note that the new share certificate rates probably won’t be the same as the original.
What types of fees, such as early withdrawal penalties, does New Hampshire Federal Credit Union charge?
Financial institutions don't typically charge many fees on share certificates. However, most charge a fee if you choose to withdraw your money before the term ends.
New Hampshire Federal Credit Union charges an early withdrawal fee.
New Hampshire Federal Credit Union does charge any of the fees we track.
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