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.

Certificate Term Rates

Certificate Term Dividend Rate APY
6 months 0.55% 0.55%
12 months 0.70% 0.70%
24 months 0.80% 0.80%
36 months 1.00% 1.00%
48 months 1.26% 1.26%
60 months 1.50% 1.51%
$ave-N-Grow - 9 months 0.63% 0.63%

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.

Relationship Pricing

Looking for a lower interest rate on your loan? You could qualify for a lower interest rate when financing with FECU. We offer members who use multiple products and services with FECU a discounted rate on eligible products.  Learn more about Relationship Pricing and if you qualify. Check out our current Rates .