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NOW EARN UP TO 4.85% APY

Make Your Idle Capital Work Harder.

Accelerate your financial growth with high-yield savings accounts and guaranteed-return Certificates of Deposit, fully backed by FDIC insurance.

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Savings Accounts Certificates of Deposit Savings Tools FAQs
Liquid Wealth

Savings Accounts Built for Growth

Whether you are building an emergency fund or saving for a major purchase, our accounts offer the liquidity you need with the interest rates you deserve.

BCU Essential Savings

A simple, accessible account to start building your safety net.

2.05% APY
On all balances
  • $0 minimum opening deposit
  • $0 monthly fee when linked to a Nextintlequity Checking account
  • Setup automated recurring transfers
Open Essential Savings
HIGH YIELD

BCU Elite Savings

Market-leading rates for higher balances.

4.85% APY
On balances of $10,000+
  • Earn up to 10x the national average*
  • $0 monthly fee with a $500 daily minimum balance
  • Instant transfers to your Nextintlequity Checking account
Open Elite Savings

* Annual Percentage Yield (APY) is accurate as of today and subject to change without notice. Fees may reduce earnings.

Guaranteed Returns

Certificates of Deposit (CDs)

Lock in a fixed interest rate for a specific term and watch your money grow with certainty. Nextintlequity CDs require a low minimum opening deposit of just $1,000.

Open a CD Online
Term Length Minimum Balance Current APY
3 Months $1,000 2.50%
6 Months $1,000 3.75%
11 Months PROMO $1,000 5.10%
24 Months $1,000 4.15%
60 Months (5 Years) $1,000 4.00%

A penalty may be imposed for early withdrawal.

Automation

Tools to Save Effortlessly

We believe saving money should be invisible. Use our digital tools to build your balance without thinking about it.

  • Auto-Save Transfers

    Set up weekly or monthly transfers from your checking to your savings account. Pay yourself first.

  • Round-Up to Save

    Every time you use your Nextintlequity Debit Card, we round the purchase up to the nearest dollar and deposit the difference into your savings.

  • Goal Trackers

    Create custom savings goals within the Nextintlequity app (e.g., "New Car" or "Vacation") and visually track your progress.

Financial Tracking on Phone

Frequently Asked Questions

Common questions about Nextintlequity Savings and CD accounts.

Interest Rate is the base rate you earn on your money. APY (Annual Percentage Yield) includes the effect of compounding—which means you earn interest on the interest you've already earned. Because Nextintlequity compounds interest daily, your APY will be slightly higher than your base interest rate.

When your Certificate of Deposit reaches its maturity date, you have a 10-day grace period. During this time, you can withdraw your funds without penalty, add funds, or change the term. If you take no action, the CD will automatically renew for the same term at the current standard rate.

Federal Regulation D used to limit certain types of withdrawals from savings accounts to six per month. While the Federal Reserve has currently paused this requirement, Nextintlequity may still charge a nominal fee if you exceed six outbound transfers or withdrawals in a single statement cycle.