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Rates

 
 

Savings Rates

Savings & Checking Accounts

Effective April 1, 2013

Account Type Rate APY
Premier Checking .05% .05%
Basic Checking None  
Regular Shares .01% .01%
Money Market    
  $50,000.00 plus .10% .10%
  $10,000.00 - $49,999.99 .05% .05%
  up to $9,999.99 .05% .05%
Clown Club (up to age 12) .10% .10%
Student Union ( 12 - 22) .10% .10%
Vacation Club .10% .10%
Holiday Club .10% .10%
IRA variable rate shares .01% .01%
  • APY = Annual Percentage Yield
  • Regular, Roth & Educational IRAs are offered by NJ Gateway FCU with no annual fees.
  • Rates are prospective, based on Credit Union earnings.
  • Premier Checking, Money Market, Clown Club, Student Union and IRA Shares are subject to change.
  • Regular Shares, Holiday & Vacation Clubs are subject to change. 

Certificate Rates

(also offered for IRA Accounts)

Term Minimum Deposit Rate APY
3 months $10,000 .30% .30%
6 months $1000 .30% .30%
12 months $1000 .44% .44%
24 months $1000 .74% .74%
36 months $1000 1.02% 1.03%
48 months $1000 1.18% 1.19%
60 months $1000 1.35% 1.36%
Rates subject to change
  • IRA Certificates must be 1 year or longer, with $500 minimum balance.
  • Penalties for early withdrawal:
    • 45 days on 3 month Certificates
    • 90 days on longer than 3 month Certificates but less than 12 month Certificates
    • 180 days on 1 year and longer Certificates

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government

National Credit Union Administration, a U.S. Government Agency

 
   
       
   

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