Rates current as of October1, 2026
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.
Open a Certificate Account at any First Credit Union branch. Schedule an appointment today!
Certificate Accounts
| Months | APY* | Min. Amount |
|---|---|---|
| 6 months | 3.70% 3.75% 3.80% 3.85% | $500 $10,000 $25,000 $50,000 |
| 7 Month Special | 4.05% | $500 |
| 1 year | 3.70% 3.75% 3.80% 3.85% | $500 $10,000 $25,000 $50,000 |
| 17 Month Special | 4.05% | $500 |
| 2 years | 3.45% 3.50% 3.55% 3.60% | $500 $10,000 $25,000 $50,000 |
| 3 years | 3.60% 3.55% 3.60% 3.65% | $500 $10,000 $25,000 $50,000 |
| 5 years | 3.60% 3.65% 3.70% 3.75% | $500 $10,000 $25,000 $50,000 |
*APY = Annual Percentage Yield, which is an estimated annualized rate of return that considers both the dividend rate and frequency of compounding. 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 service 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.
WHAT TERMS ARE AVAILABLE FOR A CERTIFICATE ACCOUNT?
At First Credit Union, we offer a variety of different terms from 6 months to 5 years. Visit our Certificate Accounts Page for a list of terms and Annual Percentage Yields.
WHAT ARE THE CURRENT CERTIFICATE RATES?
You can find all of our current deposit and loan rates at firstcu.net/rates.
