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Rates

 
 

Savings Rates

Savings & Checking Accounts

Effective March 1, 2008

Account Type Rate APY
Premier Checking .15% .15%
Basic Checking None  
Regular Shares .50% .50%
Money Market    
  $50,000.00 plus 2.25% 2.28%
  $10,000.00 - $49,999.99 1.60% 1.61%
  up to $9,999.99 1.00% 1.00%
Clown Club (up to age 12) .50% .50%
Student Union ( 12 - 22) .50% .50%
Vacation Club .50% .50%
Holiday Club .50% .50%
IRA variable rate shares .50% .50%
  • 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)

Effective April 24, 2008

Term Minimum Deposit Rate APY
3 months $10,000 1.32% 1.33%
6 months $1000 1.64% 1.65%
12 months $1000 1.85% 1.86%
24 months $1000 2.19% 2.21%
36 months $1000 2.35% 2.37%
48 months $1000 2.65% 2.68%
60 months $1000 2.95% 2.98%
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 $100,000 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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