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Deposit Rates

NPOCU Share, Money Market, IRA, and Certificate Rates

We want to help you grow your savings safely, so we keep our rates competitive and our terms flexible across all share accounts, money markets, and certificates. You decide how you want to save, and we'll help you get the most out of your money.

Standard Rates
Certificate & IRA Rates

Deposit Rates

As of January 1, 2026

Share Accounts
Minimum Balance
APY**
Regular
$25
0.05
Christmas
None
0.10
Vacation
$25
0.10
Share IRA
None
0.25

**APY=Annual Percentage Yield. All rates subject to change. Terms and conditions apply. Federally insured by NCUA.

Share Draft Accounts
Minimum Balance
APY**
Express
None
None
First Class
$400*
0.01
Priority
$5,000
0.01

**APY=Annual Percentage Yield. All rates subject to change. Terms and conditions apply. Federally insured by NCUA.

Money Markets
Minimum Balance
APY**
$0 - $2,499
None
None
$2,500 - $49,999
$2,500
1.25%
$50,000 - $99,999
$50,000
1.50%
$100,000 and Up
$100,000
1.75%

**APY=Annual Percentage Yield. All rates subject to change. Terms and conditions apply. Federally insured by NCUA.

* Minimum balance must be maintained to avoid a monthly service charge of $5.

For Priority Checking, the $5,000 balance may be in a share or certificate account.

All share and share draft accounts are variable rate accounts and the rate may change after the account is opened. Fees or other conditions will reduce the earnings on the account.

For more information on any of our accounts please contact our Member Services department at (615) 871-4221.

Certificates & IRAs

As of January 1, 2026

Share Certificates*
Minimum Balance
APY**
3 Months
$2,000
0.10
6 Months
$2,000
0.65
12 Months
$2,000
2.00
18 Months
$2,000
2.05
24 Months
$2,000
2.10
30 Months
$2,000
2.15

**APY=Annual Percentage Yield. All rates subject to change. Terms and conditions apply. Federally insured by NCUA.

IRAs*
Minimum Balance
APY**
12 Months
$2,000
2.00
18 Months
$2,000
2.05
24 Months
$2,000
2.10
30 Months
$2,000
2.15

**APY=Annual Percentage Yield. All rates subject to change. Terms and conditions apply. Federally insured by NCUA.

* Penalty for early withdrawal may apply. No additional deposits allowed until end of term.

*IRAs include Traditional, Roth and Coverdell ESA*

Dividends are earned from the day of deposit to day of withdrawal and compounded monthly. Withdrawal of dividends prior to maturity will reduce earnings. For more information on any of our accounts please contact our Member Services department at (615) 871-4221.