Term Certificate Accounts

Earn more on the money you're already saving when you choose a term certificate that's right for you. Lots of sunny choices here:)

Rates current as of December 1, 2022

LIMITED TIME OFFER:

Brighten up your savings with a Special Term Certificate! Open a 7-Month CD and earn 3.05% APY* or open a 17-Month CD and earn 3.50% APY*.

Start saving money on your terms

Term certificates are a type of savings account with a specified term, maturity date, and dividend rate. Terms range from just 6 months to 5 years. Choose the term that’s right for you. Please be aware a penalty will be imposed for early withdrawal of all term share certificates.

How to get started

Open a term certificate account at any First Credit Union branch. Find a location near you.

Current Rates

Term Certificates

MonthsAPY*Min. Amount
6 months1.45%
1.50%
1.55%
1.60%
$500
$10,000
$25,000
$50,000
7 Month CD Special3.05%
3.05%
3.05%
3.05%
$500
$10,000
$25,000
$50,000
1 year1.60%
1.65%
1.70%
1.75%
$500
$10,000
$25,000
$50,000
17 Month CD Special3.50%
3.50%
3.50%
3.50%
$500
$10,000
$25,000
$50,000
2 years1.70%
1.75%
1.80%
1.86%
$500
$10,000
$25,000
$50,000
3 years1.85%
1.90%
1.95%
2.00%
$500
$10,000
$25,000
$50,000
5 years 2.05%
2.10%
2.15%
2.20%
$500
$10,000
$25,000
$50,000

*APY = Annual Percentage Yield. Dividends are prospective. Dividends will begin to accrue on non-cash deposits on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid. In case of early withdrawal or fees, earnings could be reduced. Please see details below. The rate, APY, and fee schedule may change at any time without notice. Other investments are also available. Call (480) 756-5500 for more information.

Early Withdrawal Penalty. We may impose a penalty if you withdraw from your account before the maturity date.

Amount of Penalty. For all accounts, the amount of the early withdrawal penalty is equal to 1.00% of the certificate principal per day throughout the remaining term of the certificate. There is a minimum early withdrawal penalty of $25.00 and a maximum penalty of 2.00% of the principal balance if more than two (2) years of the certificate term remain.

To calculate the penalty, use the following formula: Principal Amount x .01 x Number of Days Remaining ÷ 365; If this amount is below $25.00, the penalty will be $25.00; If the period remaining exceeds 2 years, the number of remaining days will be capped at 730 days.

For Special CD – $500 minimum balance required to open and maintain. Penalties apply for early withdrawals. Fees may reduce earnings. Offer not available for financial institutions or other institutional investors. Rate cannot be applied to previously opened certificates. Offering rates may be subject to change.