We provide better rates and lower fees for all of our products! Feel free to check out NBCU’s current rates for checking and savings accounts, term certificates and IRA.
The annual percentage yield is accurate as of the last dividend declaration date of May 19, 2026. Dividend rate may change after the account is opened. All rates are subject to change. Fees can reduce the earnings on an account.
Certificate of Deposit
Dividend Rate
APY *
Minimum Balance
3 Month SPECIAL
3.78%
3.85%
$2,500.00
4 Month SPECIAL
3.69%
3.75%
$2,500.00
6 Month
3.59%
3.65%
$1,000.00
9 Month
3.45%
3.50%
$1,000.00
12 Month
2.47%
3.00%
$1,000.00
18 Month
1.98%
2.00%
$1,000.00
24 Month
1.74%
1.75%
$1,000.00
36 Month
1.49%
1.50%
$1,000.00
48 Month
1.24%
1.25%
$1,000.00
60 Month
1.00%
1.00%
$1,000.00
Certificate of Deposit Rates
(*) Annual Percentage Yield subject to change. Minimum deposit required to open account may differ from the minimum balance required to earn APY. Rates may change after account opening for variable rate accounts. Dividend is paid for each day funds remain on deposit. Request further information concerning any fees and terms applicable to the advertised accounts. Fees may reduce earnings. Penalty for early withdrawal.
IRA Certificate of Deposit
Dividend Rate
APY *
Minimum Balance
6 Month
3.59%
3.65%
$1,000.00
9 Month
3.45%
3.50%
$1,000.00
12 Month
2.47%
3.00%
$1,000.00
18 Month
1.98%
2.00%
$1,000.00
24 Month
1.74%
1.75%
$1,000.00
36 Month
1.49%
1.50%
$1,000.00
48 Month
1.24%
1.25%
$1,000.00
IRA Certificate of Deposit
(*) Annual Percentage Yield subject to change. A substantial penalty may be assessed on funds withdrawn prior to maturity on all IRA accounts. Fees may reduce earnings on this account. Minimum opening deposit amount required as outlined above. The dividend for IRA certificates is compounded monthly and credited monthly or paid at maturity. Dividend is paid for each day funds remain on deposit. Request further information concerning any fees and terms applicable to the advertised account. Penalty for early withdrawal.
Rate
APY *
Minimum Deposit
Minimum Balance to Earn APY
0.00%
0.00%
$5.00-$499
None
0.70%
0.70%
$500-$9,999
$500.00
0.80%
0.80%
$10,000-$24,999
$10,000.00
0.90%
0.90%
$25000-$49,999
$20,000.00
1.00%
1.00%
$50,000-$74,999
$50,000.00
1.10%
1.10%
$75000-$99,999
$75,000.00
1.20%
1.20%
$100,000 +
$100,000.00
Money Market Tiered
(*) Annual Percentage Yield subject to change.
Third Party Site Disclaimer
You are now leaving New Bedford Credit Union's web site and are going to a web site that is not operated by the credit union. New Bedford Credit Union is not responsible for the content or availability of linked sites.
Please be advised that New Bedford Credit Union does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by the credit union.
Please Note!
NBCU is in the process of upgrading our online system.
Visa Credit Card platform access is currently disabled. We will be fully operational by Tuesday, June 2nd or earlier.
Important Notice!
NBCU online and mobile banking systems will be unavailable from Friday, May 29th at 7:30 PM ET until Tuesday, June 2nd at 8:00 AM ET.
On June 2nd, the NBCU new digital banking platform will be available. Please remember to re-enroll in the new digital banking system to access your accounts.
