*APY = Annual Percentage Yield. Offer available on new money only. New money is defined as funds not currently on deposit with NorthWinds Federal Credit Union within the last 90 days. Minimum deposit of $1,000 required to open. Dividends remain on eposit until maturity. Early withdrawal penalties may apply and could reduce earnings.

All certificates automatically renew at maturity for a like term at the prevailing rate unless redeemed during the grace period. Terms, rates, and offer are subject to change without notice. Membership eligibility required.

Deposits are insured up to $500,000. The first $250,000 is insured by the National Credit Union Administration (NCUA), an agency of the United States Government. The remaining $250,000 is insured by Excess Share Insurance (ESI).