Share Certificates



Earn More Interest on Your Money.

If you’d like to earn more interest on your money, a Share Certificate will allow you to do that. Enjoy a variety of terms and higher dividend rates. A Share Certificate is a safe way to earn higher interest. Whether you’re saving for retirement, a dream vacation or a child’s education, Novartis Federal Credit Union has a term and rate to help you achieve your goal.

Benefits of a Share Certificate

  • $500 minimum deposit*
  • Terms ranging from three months to five years
  • Dividends are paid monthly and can be added to your principal or transferred to another Novartis Federal Credit Union account
  • Convenient automatic renewal
  • Deposits are federally insured by the NCUA up to $250,000

Share Certificate Rates

Effective Date 4/1/2021, Rates Subject to Change

Share Certificate *RateAPY**
3 Month.04%.04%
6 Month.07%.07%
12 Month.15%.15%
24 Month.20%.20%
36 Month.25%.25%
48 Month.30%.30%
60 Month.45%.45%
*Minimum Certificate Balance is $500.00

The annual percentage yield (APY) is available for as long as you maintain the required minimum daily balance. A penalty will be imposed for early withdrawal. This will reduce earnings on the account. Rates are subject to change without notice. All fees and charges are disclosed, in full, at the time of application.

Earn more by investing for a longer term. Your first step to saving starts here!

To learn more about our Share Certificate options or to open a Share Certificate, please visit our Novartis Federal Credit Union office or call 973-947-1000.


Stop in to our branch and fill out an application to open the account. Make sure to bring proper identification with you, (Drivers License, State ID, Passport, etc.) By simply opening a Share Certificate, you instantly qualify to take advantage of all Credit Union member benefits. Once you are a member you are a member for life.

As a Novartis Federal Credit Union member, you will not only benefit from many quality and convenient financial services, but also from our low loan rates. We have the financial products and services you need for every stage of your life.

We are convenient. fast. friendly.