Certificates

Deposit your money, choose your term and watch it grow with a Certificate of Deposit

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Regular Certificates

Short-term certificates for a quick return on investment (less than a year) or long term certificates for higher returns (over a year).

  • $500 minimum opening deposit
  • Dividends can be compounded, mailed or deposited to your FICU savings or checking account
  • Flexibility to make deposits anytime during certificate term
  • Fixed term account
  • Deposits insured by NCUA up to $250,000


Smart Saver Certificate

A special certificate with flexible options to begin building your savings.

  • $500 minimum opening deposit
  • Dividends are deposited monthly to your FICU savings account
  • Earn 1% more than a regular 12-month term CD*
  • Balance cap of $100,000


Jumbo Certificates

Perfect way to invest a large sum of money for high returns and low risks.

  • $100,000 minimum opening deposit
  • Great way to save for college, a home, or long-term financial planning
  • Dividends can be compounded, mailed or deposited to your FICU savings or checking account
  • Flexibility to make deposits anytime during certificate term
  • Fixed term account
  • Earn higher dividends than regular certificate of accounts
  • Deposits insured by NCUA up to $250,000

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*See Truth-in-Savings Disclosure for transaction restrictions.

Additional Content

Current Rates

Current rates
New Auto 5.74% APR*
Used Auto 5.99% APR*
First Time Auto Buyer 9.49% APR*
Holiday Loan 8.99% APR*
VISA Platinum 9.99% APR*