Share Certificates



Earn More Interest on Your Money.

If you’d like to earn more interest on your money, a certificate of deposit will allow you to do that. Enjoy a variety of terms and higher dividend rates. A Certificate of Deposit 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 Certificate of Deposit

  • $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 5/16/2019, Rates Subject to Change

Share Certificate RateYield
3 Month1.35%1.35%
6 Month1.55%1.55%
12 Month1.75%1.75%
24 Month1.99%1.99%
36 Month2.24%2.24%
48 Month2.49%2.50%
60 Month2.74%2.75%
*Minimum Certificate Balance is $500.00

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

To learn more about our Certificate options or to open a 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 Licence, State ID, Passport, etc.) By simply opening a Certificate of Deposit, 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.