Certificates

With a higher dividend rate than money market or traditional savings accounts, your money will work harder for you with a term share certificate. Complete the Account Form, make a deposit, choose a term, and watch your funds grow.

  • $1,000 minimum deposit
  • Available terms: 6, 12, 24, 36, 48, or 60 months
  • The longer the term, the higher the rate of return
  • Renews automatically with dividend rate at the time of renewal unless you withdraw your money at the end of the term
  • 10-day grace period to withdraw money at end of term
  • Early withdrawal penalties apply
  • Dividends paid quarterly

Use your term share certificate as collateral for a Share Secured Loan; contact FECU for additional information or questions.

Calculators

How much do I need to save for college? How much will I need to save for a major purchase? How can I save a million dollars? How much could I save over time? What rate would I need to earn on my savings? What savings amount should I start with? How much should I save each month? What is the yield on my portfolio?

Certificate Term Rates

Certificate Term Dividend Rate APY
6 months .30% .30%
12 months .45% .45%
24 months .55% .55%
36 months .65% .65%
48 months .75% .75%
60 months .90% .90%
$ave-N-Grow - 9 months .38% .38%

Dividends are compounded and paid quarterly. Minimum balance to open is $100 for the Kids Club certificate and $1,000 for all others. There is an early withdrawal penalty. There is a 10 day grace period at the end of the term during which you can withdraw your money without penalty.

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