Share Rates

Your Money Is Safe

Safety and security are two major considerations when evaluating any financial institution. You can rest assured that your money is safe with N.J.L. & P.S. Credit Union. In fact, credit unions are the most secure of all financial organizations in the world.

Protected by the National Credit Union Administration (NCUA), an agency of the United States Government, member's deposit accounts are insured for up to a combined total of $250,000. No one has ever lost a penny placed in trust with a federally-insured credit union (in compliance with the Federal Truth-In-Savings Act).

Share Rates - Savings, Club Accounts, Certificates of Deposit, Home Equity
 Rates Effective 02/01/12

Savings, Club, Checking

Account
Dividend Rate
APY

3rd Quarter Share Rates
Share Account    
$000.00 - $499.99 0.05% 0.05%
$500.01 - $2000.00 0.25% 0.25%
$2000.00 -and over 0.35% 0.35%
Holiday Club    
  0.40% 0.40%
Vacation Club    
  0.40% 0.40%
Share Draft Account    
$1,000.00 and up 0.35% 0.35%
 APY = Annual Percentage Yield

Certificates of Deposit

BALANCE
$1000 - $9,999.99
$10,000 - $24,999.99
$25,000 AND OVER

$1000 minimum balance required. Penalty for early withdrawal.
Rates are subject to change during the month at the discretion of the Board of Directors  
 
RATE
APY
RATE
APY
RATE
APY
3 MONTH
0.35%
0.35%
0.40%
0.40%
0.45%
0.45%
6 MONTH
0.55%
0.55%
0.60%
0.60%
0.65%
0.65%
12 MONTH
0.90%
0.90%
0.95%
0.95%
0.99%
1.00%
18 MONTH
0.99%
1.00%
1.04%
1.05%
1.09%
1.10%
24 MONTH
1.24%
1.25%
1.29%
1.30%
1.34%
1.35%
36 MONTH
1.54%
1.55%
1.59%
1.60%
1.64%
1.65%
48 MONTH
1.69%
1.70%
1.73%
1.75%
1.78%
1.80%
60 MONTH
2.03%
2.05%
2.08%
2.10%
2.13%
2.15%
 APY = Annual Percentage Yield