Rates effective as of March 1, 2017

As a member of New Dimensions Federal Credit Union, you earn better dividends with fewer fees than you would find at other financial institutions. That’s because we’re here to empower you to succeed financially!


Variable Account Rates

See our Truth in Savings Disclosure for Variable Rate Shares

Regular & Club Savings Accounts

Account TypeMinimum Opening DepositMinimum Balance to Earn DividendsDividend Rate (APY*)
Regular Savings$25$1000.10%
Club SavingsN/A$1000.10%

60+ Savings Accounts

Minimum Opening DepositMinimum Balance to Earn DividendsDividend Rate (APY*)
$25$1000.10%

Youth Savings Accounts

Account TypeMinimum Opening DepositMinimum Balance to Earn DividendsDividend Rate (APY*)
Monty Moose
Age 0-11
$5$50.10%
Take Charge
Age 12-17
$5$250.10%

Certificate Savings Account

BalanceRate for the Tier* (APY*)APY*
$100 to $2,4990.10%0.10%
$2,500 to $9,9990.20%0.20%
$10,000 to $49,9990.25%0.25%
$50,000 or More0.30%0.30%

Jumbo Certificate Savings Account

Minimum Balance Required to Earn DividendsRate for TierComposite APY**
$100 - $49,999.990.10%0.10%
$50,000 - $99,999.990.30%0.20%
$100,000 - $249,999.990.75%0.53%
$250,000 - $499,999.990.85%0.69%
$500,000 & up1.00%0.85%

**Composite APY for multiple tier split rate account

Health Savings Account

Minimum Opening DepositMinimum Balance to Earn DividendsDividend Rate (APY*)
N/A$100.25%

Coverdell Education Savings Account

Minimum Opening DepositMinimum Balance to Earn DividendsDividend Rate (APY*)
N/A$100.25%

Individual Retirement Account Rates

TypeMinimum Balance to OpenMinimum Balance
to Earn Dividends
Dividend Rate
(APY*)
Traditional IRAN/A$1000.25%
Roth IRAN/A$1000.25%

IRA withdrawals may be subject to a federal early withdrawal penalty and federal and state taxation. Call the credit union to obtain a copy of our IRA Trust Agreement and Disclosure.


Certificate Rates

Share Certificates

TermMinimum DepositDividend RateAPY*Dividend Penalty
6 months$1,0000.40%0.40%90 days
12 months$1,0000.55%0.55%180 days
18 months$1,0000.67%0.67%270 days
24 months$1,0000.80%0.80%360 days
36 months$1,0001.25%1.25%540 days
48 months$1,0001.55%1.55%720 days

Youth Share Certificates

TypeTermMinimum DepositDividend RateAPY*Dividend Penalty
Monty Moose
(age 0-11)
12 months$5000.55%0.55%180 days
Take Charge
(age 12-17)
12 months$5000.55%0.55%180 days

Step-Up Share Certificate

TermMinimum DepositOpen RateMaturity RateAPY*Dividend Penalty
5 years$5,0000.75%3.00%1.97%900 days

IRA Share Certificates

TermMinimum DepositDividend RateAPY*Dividend Penalty
6 months$2,0000.40%0.40%90 days
12 months$2,0000.55%0.55%180 days
18 months$2,0000.67%0.67%270 days
24 months$2,0000.80%0.80%360 days
36 months$2,0001.25%1.26%540 days
48 months$2,0001.55%1.56%720 days

See our Truth in Savings Disclosure for Share Certificates

*Annual Percentage Yield

All rates are subject to change any time, without prior notice, at the discretion of the Board of Directors. Rates may change after the account is opened. Membership eligibility required.