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All Rates

Rates last updated 11-22-2024

Share
Type Rate APY* Minimum Deposit
Regular Shares .10% .10% $25
Secondary Savings .10% .10% None
NuGeneration Savings .30% .30% $5
Holiday/Tax Account .10% .10% $25
High Yield Shares .35% .35%  $2,500.00 - $9,999.99
High Yield Shares .45% .35% to.43% $10,000.00 - $49,999.99
High Yield Shares .70% .43% to.70% $50,000.00 & Up
Money Market .30% .30% Up to $9,999.99
Money Market .40% .30% to.38% $10,000.00 - $49,999.99
Money Market .50% .38% to .50% $50,000.00 & Up
Business Savings .10% .10% $25.00
Business High Yield .35% .35% $2,500.00 - $9,999.99
Business High Yield .45% .35% to .43% $10,000.00 - $49,999.99
Business High Yield .70% .43% to .70% $50,000.00 & Up

*APY = Annual Percentage Yield

These Rates are current as of the above date and are subject to change on a weekly basis. It is the intention of NuVista Federal Credit Union to pay these dividends, however, they are subject to change and cannot be guaranteed.

Rates last updated 06/02/2025

Share Certificate Accounts**
Term Rate APY* Min. Deposit
6 Month Certificate 3.00% 3.04% $500
12 Month Certificate 3.50% 3.56% $500
24 Month Certificate 2.00% 2.02% $500
36 Month Certificate 1.50% 1.51% $500
48 Month Certificate 1.35% 1.36% $500
60 Month Certificate 1.30% 1.31% $500
High Balance Share Certificate Accounts**
Term Rate APY* Min. Deposit
6 Month Certificate 3.25% 3.30% $50,000
12 Month Certificate 3.75% 3.82% $50,000
24 Month Certificate 2.25% 2.27% $50,000
36 Month Certificate 1.50% 1.51% $50,000
48 Month Certificate 1.35% 1.36% $50,000
60 Month Certificate 1.30% 1.31% $50,000
Youth Share Certificate Accounts***
Term Rate APY* Minimum Deposit
12 Month DREAM Certificate*** 5.00%*** 5.12%*** $100
3 Year Certificate 1.75% 1.76% $100
4 Year Certificate  1.55% 1.56% $100
5 Year Certificate 1.50% 1.51% $100

These Rates are current as of the above date and are subject to change on a weekly basis. It is the intention of NuVista Federal Credit Union to pay these dividends, however, they are subject to change and cannot be guaranteed.

*APY = Annual Percentage Yield

**For early withdrawals on Share Certificate Accounts:

Certificates with a maturity of 12 months or less, the penalty is 90 days of dividends.

Certificates with a maturity of 13-35 months, the penalty is 180 days of dividends.

Certificates with a maturity of 36 months or longer, the penalty is 365 days of dividends.

The penalty is calculated as a forfeiture of the dividends that have been or would be earned on the account.

 

*** Youth Share Certificates
Youth Share Certificates are add on Certificates, so deposits can be made to them.

For early withdrawals on Youth Share Certificate Accounts:

Certificates with a maturity of 12 months or less, the penalty is 90 days of dividends.
Certificates with a maturity of 13-35 months, the penalty is 180 days of dividends.
Certificates with a maturity of 36 months or longer, the penalty is 365 days of dividends.
The penalty is calculated as a forfeiture of the dividends that have been or would be earned on the account.

The DREAM Certificate Rate Structure - Portion of your daily balance: Up to $1,000.00 earns current DREAM Certificate Rate, the amounts of $1,000.01 and up earn the current rate of a 12-Month Certificate.

 

Rates last updated 11-22-2024

IRA Accounts** Traditional & ROTH 
Type Rate APY* Minimum Deposit
IRA Shares .10% .10% $0
HSA Checking .10% .10% $500
12 Month IRA Certificates 3.50% 3.56% $2,000
24 Month IRA Certificates 2.00% 2.02% $2,000
36 Month IRA Certificates 1.50% 1.51% $2,000
48 Month IRA Certificates 1.35% 1.36% $2,000
60 Month IRA Certificates 1.30% 1.31% $2,000

These Rates are current as of the above date and are subject to change on a weekly basis. It is the intention of NuVista Federal Credit Union to pay these dividends, however, they are subject to change and cannot be guaranteed.

*APY = Annual Percentage Yield

**For early withdrawals on IRA Certificate Accounts:

IRA Certificates with a maturity of 12 months or less, the penalty is 90 days of dividends.

IRA Certificates with a maturity of 13-35 months, the penalty is 180 days of dividends.

IRA Certificates with a maturity of 36 months or longer, the penalty is 365 days of dividends.

The penalty is calculated as a forfeiture of the dividends that have been or would be earned on the account.

 

***IRA Certificates are not allowed any add ons, a new Certificate would need to be opened. 


 

Rates last updated 8-29-2023

Rates are current as of the above date and are subject to change without notice.  Contact the Credit Union for current rates, terms and details.  All loans are subject to Member qualification.  Other fees may apply.  

You must be a Member of the Credit Union to receive any of the loans listed above.

*Certificate and Share Secured Loans: Rates are a percentage above the current dividend rate rounded to the nearest 1/4%.

Rates are current as of the above date and are subject to change without notice. Contact the credit union for current rates, terms and details.

All loans subject to member qualification. Other fees may apply.