Certificates

Certificate Investments (which are similar to CDs) are the ideal solution for any business that is looking for a guaranteed return and doesn't require liquidity. A Certificate lets you earn stable and secure returns on your investment while being insured by the NCUA up to $250,000. With REALTORS® FCU, A Division of Northwest Federal Credit Union you'll know that your money is safe.

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To fund your Certificate Account you can perform an electronic transfer, mail a check or conduct a wire transfer. Please read the instructions carefully and fill out the Business Deposit Request Form to fund your account. If you are not yet a member, go to Membership Application to find out how to become a member.

To service an existing  Business Certificate account visit the Forms page and choose the appropriate business form.

  • Enjoy industry leading dividend rates
  • Peace of mind that your are safely growing your investment
  • Your savings are federally insured up to $250,000 by the NCUA and backed by the full faith and credit of the United States government
  • Access to the Business Services department Monday-Friday 8:30am-5:00pm EST at 301.355.7575
REALTORS® FCU, A Division of Northwest Federal Credit Union prides itself on the high rates it's able to provide to its members. REALTORS® FCU, A Division of Northwest Federal Credit Union's rates often beat some of the top banks and are generally above the industry average. Go ahead, compare our rates.

Certificates109/16/2014
  $500 to $2,499 $2,500 to $24,999 $25,000 to $99,999 $100,000+
Rate APY2 Rate APY2 Rate APY2 Rate APY
3 monthsN/AN/A0.32%0.32%0.42%0.42%0.52%0.52%
6 monthsN/AN/A0.39%0.39%0.49%0.49%0.59%0.59%
1 year0.60%0.60%0.65%0.65%0.70%0.70%0.80%0.80%
2 years0.95%0.95%1.00%1.00%1.05%1.06%1.15%1.16%
3 years1.04%1.04%1.14%1.15%1.19%1.20%1.29%1.30%
4 years1.15%1.16%1.25%1.26%1.30%1.31%1.40%1.41%
5 years1.25%1.26%1.35%1.36%1.40%1.41%1.50%1.51%
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
2APY = Annual Percentage Yield. The Annual Percentage Yield for certificate terms is based on an assumption that dividends are posted and compounded monthly and will remain in the account until maturity. Any withdrawal will affect the APY calculation and result in reduced earnings.
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Joining is easy. To get started, print and fill out the Business Member Application forms. Need help? Contact a Business Services representative M-F 8:30am-5:00pm EST (excluding federal holidays) at BusinessServices@REALTORSFCU.ORG.