Share certificates are a secure, and federally insured (up to $250,000) investment tool. Whether you are looking for one certificate - or multiples to maximize your earnings on a regular basis, we have the right fit for your portfolio!
Certificates are a way to earn higher interest on your investment while saving for special events such as buying a home or paying for college. You choose the terms that fit best with your savings goal and have the funds available when you need them.
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Want to learn more? Call us today and ask for details about helping you build your nest egg!
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Some items that also should be covered in such a fund include health and car insurance deductibles, rent or mortgage, food, energy bills, and phone bills. Get your rainy-day fund started by doing the following:
Aim low if you can’t amass the recommended cash. If you’re burdened with debt and your income is low, you can still set up a decent emergency fund. Aim for one that will cover at least one month of expenses. A cash reserve should be a priority—even over your 401(k) contributions.
Consolidate debt. Now stop using the credit card. Make the minimum monthly payment so you can build up savings for one month of living expenses. After you’ve done that, then you can turn your attention to other goals, such as retirement savings and paying down debt.
Steer clear of the stock market. You’ll want to put your emergency money in a place where you can easily get your hands on it. The two best options are a savings account at a credit union, or a money-market mutual fund. Note: Although a money-market fund isn’t federally insured, it typically has higher interest rates than a savings account.
You can make deposits in person, by mail or by ATM. You can also make deposits conveniently through payroll deduction or Remote Deposit Capture.
Please visit http://www.northernlightscu.com/AboutUs for operating hours.
To use this service call 877-858-3328
Automated Telephone Banking is available 24/7
Yes, by requiring all members to enter an access code (PIN), Automated Telephone Banking provides a safe environment for conducting transactions.
You can sign up for Automated Telephone Banking by visiting a NLCU branch or phoning our Customer Service at 800-856-0026
Yes, there is an Automated Telephone Banking Quick Reference Guide Click Here.
All transactions made during business hours take effect immediately. Transactions made after business hours, on a weekend or on a holiday will be posted on the next business day with an effective date of the actual transaction date
Enter your member number followed by the # sign
Enter your NLCU access code (PIN) followed by the # sign
This refers to the number assigned to each account type.
Ways to Apply
You must first become a member of Northern Lights if you already are not.
The credit union makes loans without regard to race, color, religion, national origin, sex, handicap, or familial status.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.