Savings Rates
S1 Primary Shares
| Rate Type | APR* | APY** |
|---|---|---|
| $25.00 minimum Daily Balance/Monthly Dividend |
0.10% | 0.10% |
S8 Special/Club Shares
| Rate Type | APR* | APY** |
|---|---|---|
| All Special/Club Shares Daily Balance/Monthly Dividend |
0.10% | 0.10% |
S5 Share Draft (Checking) Accounts
| Rate Type | APR* | APY** |
|---|---|---|
| Share Draft (Checking) Accounts Daily Balance/Monthly Dividend - No minimum balance |
0.00% | 0.00% |
Individual Retirement Accounts (IRAs)
| Rate Type | APR* | APY** |
|---|---|---|
| S6 Regular IRA Daily Balance/Quarterly Dividend - $25.00 minimum |
0.35% | 0.35% |
| S65 Educational IRA Daily Balance/Quarterly Dividend - $25.00 minimum |
0.35% | 0.35% |
| S66 Roth Conversion IRA Daily Balance/Quarterly Dividend - $25.00 minimum |
0.35% | 0.35% |
| S67 Regular Roth IRA Daily Balance/Quarterly Dividend - $25.00 minimum |
0.35% | 0.35% |
S7 Christmas Club Accounts
| Rate Type | APR* | APY** |
|---|---|---|
| Christmas Club Accounts Daily Balance/Annual Dividend - $25.00 and up - Maximum deposit amount $10,000.00 |
0.20% | 0.20% |
Share Certificates - Effective May 1, 2022
| Rate Type | APR* | APY** |
|---|---|---|
| I6 6-month Certificate Daily Balance/Semi-Annual Dividend, Posts to Shares - $1000.00 minimum |
0.15% | 0.15% - 180-day term |
| I1 1-year Certificate Daily Balance/Semi-Annual Dividend, Posts to Shares - $1000.00 minimum |
0.20% | 0.20% - 365-day term |
| I2 2-year Certificate Daily Balance/Semi-Annual Dividend, Posts to Shares - $1000.00 minimum |
0.25% | 0.25% - 730-day term |
Note: Based on weekly information received by NorthWestern Energy Employees FCU, Share Certificate rates may change each Wednesday
**APY is the Annual Percentage Yield
APY (Annual Percentage Yield) is compounded interest (usually daily or monthly) calculated for 1 year (even if the term is longer). For example, $10,000 @ 6.00 APR for 2 years compounded monthly, produces a 6.17 APY which returns a total of $11,272.07 after 2 years.