Share Certificates

Wherever You're Headed, Earn 4.27% APY* Along the Way

Make more of money you're ready to set aside. Open an 18-Month Promotional Share Certificate with as little as $500 in New Money and earn 4.27% APY for the 18-month term.

Offer Details:

• 4.27% APY
• 18-month term
• $500 minimum deposit
• Must be funded with New Money from another financial institution
• Requires an eligible Fusion Plus Checking Account established when the certificate is opened
• Dividends compound daily
• Your rate is fixed for the 18-month term

With all Alero Financial share certificates, you'll enjoy no maintenance fees, competitive rates, and the safety of NCUA insurance up to $250,000.

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*APY = Annual Percentage Yield. APY for this promotional offer is accurate as of 11/02/2026 and subject to change without notice prior to account opening. **"New Money" or "Moving your money from another financial institution" refers to funds transferred or deposited from another financial institution that are not currently on deposit at North Bay Credit Union. Promotional offer starts November 2, 2026 and is valid for a limited time only. Promotional rate of 4.27% APY applies to new Share Certificates with an 18-month term. A minimum deposit of $500 in New Money is required to open the promotional Share Certificate, and a minimum balance of $500.00 is required to earn the stated APY. To qualify for the promotional rate, members must have an eligible Fusion Plus Checking Account established at the time the new 18-month promotional Share Certificate is opened. Checking account approval, eligibility requirements, and account opening procedures apply. Accounts must be in good standing at account opening. Funds currently on deposit at North Bay Credit Union do not qualify as New Money. The dividend rate for the 18-month promotional Share Certificate is 4.18%. Dividends are calculated daily and paid monthly. Penalties may apply for early withdrawal of Share Certificate funds. At the end of the 18-month promotional term, the Share Certificate will automatically renew at the standard rate offered at the time of maturity for a Share Certificate with a 12-month term. A 10-day grace period applies at the time of maturity. Your savings are federally insured up to at least $250,000 and backed by the full faith and credit of the United States Government. Penalties apply for early withdrawal of funds. See "Important Account Information for our Members" disclosure for complete details.

Key features of all our Share Certificates

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• Fixed rates, higher than regular savings
• Provides more guarantee than other risky investments
• Dividends compounded and paid quarterly
• A wide range of terms available (from 6 months to 5 years)
• No setup or maintenance fees
• Early withdrawals subject to penalty*
• Minimum deposit to open varies; review our rates chart to learn more

View our Share Certificate Disclosure.

*Premature Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal before the maturity date or the renewal date as follows:

6-month term: Loss of 90 days dividends
12-month term (1 year):  Loss of 180 days dividends
18-month term (1.5 years): Loss of 180 days dividends
24-month term (2 years): Loss of 270 days dividends
36-month term (3 years): Loss 270 days dividends
48-month term (4 years): Loss of 360 days dividends
60-month term (5 years): Loss of 360 days dividends