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Products & Rates

Current Rates (as of 2/16/2017)* 

Unique to CIF with NCB, you may choose, from three options, how much of the base rate will be contributed to NCUF: 50%, 75% or 100%.

Product Rate APY
6-mo CD 0.33% 0.33%
12-mo CD 0.95% 0.96%
18-mo CD 1.10% 1.11%
2-year CD 1.20% 1.21%
3-year CD 0.68% 0.68%
MMDA 0.45% 0.45%


*Rate/APY is accurate as of the date of this publication and is subject to change daily. A $10,000 minimum balance is required to earn the Rate/APY quoted. Substantial early withdrawal penalty on CDs. Fees may reduce earnings on your account. Banking products and services provided by National Cooperative Bank, N.A. Member FDIC.  


  • 6-mo, 12-mo, 18-mo, 2-yr, 3-yr terms currently available
  • Minimum opening deposit of $10,000
  • Interest compounded daily and paid quarterly
  • Interest earned can be automatically reinvested or transferred
  • Automatic renewal
  • eStatements available
  • Penalties for early withdrawal apply


  • Offers the liquidity of a savings account
  • Minimum opening deposit of $10,000
  • Six withdrawals per month, three by check
  • Interest compounded daily and paid quarterly
  • Online banking access
  • eStatements available