Invest your money the safe & secure way
Key Features
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Competitive, fixed rates
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Low minimum deposit
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Guaranteed investment
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Not affected by the market
Sitting on $250 or more in your savings account? Make a one-time deposit into a 3–60-month certificate and watch your savings grow faster! Generally, the longer the term, the higher the rate of return!
Certificates are one of the many savings products provided by FCCU to help you earn more money than a standard savings account. Members who want to restrict access to their funds to avoid the temptation of spending it or avoid worrying about stock market fluctuations will especially love investing with a certificate!
Looking for more flexibility? Check out our Money Fund account.
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Core Benefits
Lots of Certificate Options
Choose from 3-60 month certificates with some of our best rates. Also, keep an eye out for limited-time certificate specials! See Rates ⇒
Guaranteed Investment
Certificates do not fluctuate with the market, which means that your investment is guaranteed. At maturity, you will earn the rate you locked in!
Additional Benefits
Online & Mobile Banking
Access your accounts 24/7 and enjoy a suite of convenient features. Learn More ⇒
E-Statements
Skip paper statements and avoid the monthly paper statement fee. Learn More ⇒
Member Loyalty Cash
Your savings balance can help you qualify for our patronage dividend at the end of the year! Learn More ⇒
Monthly Fee |
$5, waived if monthy balance exceeds $2,500 |
Minimum Opening Deposit |
$250 Compare us to other financial institutions who require higher minimum opening deposits to access competitive rates! Sometimes they even require your opening deposit to originate from another financial institution— but not us! |
Options for Length of Term |
3, 6, 12, 18, 24, 30, 36, 48, and 60 months Keep an eye out for limited-time certificate specials that generally offer higher rates for shorter terms (compared to the rates for our standard terms)! |
Dividends Compounded |
Quarterly |
Certificate Renewal |
Your certificate will auto-renew at the end of your term¹ unless you choose to withdraw the funds during a specified period. We will send you a reminder prior to the maturity date! |
Early Withdrawal Fee |
If you choose to close your certificate prior to its maturity date, penalty fees many apply.² |
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Certificate Specials
Account |
Rate |
APY* |
Minimum to Open |
Dividends Paid |
Renews For |
5-Month Special |
4.00% |
4.05% |
$250 |
End of Period |
6 months |
Certificates
Account |
Rate |
APY* |
Minimum to Open |
Dividends Paid |
Regular Savings |
0.05% |
0.05% |
$5 |
Quarterly |
3-Month |
2.72% |
2.75% |
$250 |
Quarterly |
6-Month |
2.62% |
2.65% |
$250 |
Quarterly |
12-Month |
2.52% |
2.55% |
$250 |
Quarterly |
18-Month |
2.43% |
2.45% |
$250 |
Quarterly |
24-Month Step-Up |
2.33% |
2.35% |
$250 |
Quarterly |
30-Month |
2.28% |
2.30% |
$250 |
Quarterly |
36-Month |
2.23% |
2.25% |
$250 |
Quarterly |
48-Month |
2.23% |
2.25% |
$250 |
Quarterly |
60-Month |
2.23% |
2.25% |
$250 |
Quarterly |
With a Step-Up Certificate, you can “step up” to a higher rate once during the duration of the term. Keep an eye on our 24-month certificate rates and contact us if you’d like to step up!
*APY is Annual Percentage Yield. Rates effective as of 10/1/2025. Rates subject to change. Any Certificate may be used for IRAs.
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Certificates of Deposit and Share Certificates
If you're willing to wait, a CD or share certificate can be a great way to earn a high interest rate on the money you deposit.
Certificate Calculator
See how much your certificate can grow with different interest rates over time.
Is the Money in My Account Safe?
Your financial institution is one of the safest places to store your hard-earned cash. The best part? All you have to do is open an account.
Investment Warning Signs and Red Flags
Learn how to identify the warning signs of bad or inappropriate investments.
[1] Certificates will generally renew for a term identical to the original certificate (e.g., a 30-month certificate renewing for 30 months). However, some certificates will renew for a different term than the original certificate (e.g., a 13-month certificate special renewing for 12 months). Be sure to review the auto-renewal details prior to opening a certificate.
[2] Closing a certificate before the maturity date will result in a penalty equal to portion of the interest earned on the certificate, up to the full amount of interest earned. The penalty will not be greater than the interest earned to date, so you will always receive back the original deposit amount at minimum. Certificates opened with 3- and 6-month terms have a maximum penalty of 30-days’ interest. Certificates opened with 12-month terms or longer have a maximum penalty of 180-days' interest. See our Certificate Specials to see their associated penalties. IRA Certificates held by members who have Required Minimum Distributions (RMDs) to take out are not subject to these penalties and can withdraw partial balances from Certificates without closing them to satisfy RMDs.