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Certificates

Put your money to work for you

Certificates

You can put spare money to work for you and earn higher dividends by saving in a Family Trust certificate for a set period of time.

Bump Your Rate Certificate

With our Bump Your Rate 3-Year Certificate you lock in a great rate now, with the option to bump it up twice during the term.

Features
Open a 36-month term account for as little as $500
No monthly maintenance fees
Option to increase your rate with no fee or term extension
Easy to request increased rate, just call or chat with us online
Interest compounded quarterly
Funds federally insured up to $250,000 with NCUA and an additional $250,000 with Excess Share Insurance
Open In-Branch

Regular Term Share Certificates

Features
A variety of options for length of investment, ranging from 3 months to 5 years
Low opening balance requirement
Option to pay dividends into other accounts
Notice of maturity sent by mail or email

8 APY = Annual Percentage Yield correct as of 6/20/17. Dividends are compounded and credited quarterly. Rate is subject to change without notice. Any withdrawal prior to maturity will reduce earnings. A penalty is imposed if certificate funds other than earned dividends are withdrawn before the maturity date.

9 Bump Your Rate Certificate: Personal checking account required to open. New checking accounts must have direct deposit. Dividend rate may be changed to match any current comparable 36 month share certificate rate offered by the credit union twice during the term of the certificate.

Product Min. Deposit to Open Min. Balance Tiers, APY8 / Dividend Rate Min. Balance Tiers, APY / Dividend Rate Min. Balance Tiers, APY / Dividend Rate
Regular Term Certificate Minimum Deposit to Open $0 $20,000 $100,000
3 month $500 0.20% / 0.20% 0.25% / 0.25% 0.30% / 0.30%
6 Month $500 0.25% / 0.25% 0.30% / 0.30% 0.35% / 0.35%
9 months $500 0.25% / 0.25% 0.30% / 0.30% 0.35% / 0.35%
12 months $500 0.65% / 0.65% 0.70% / 0.70% 0.75% / 0.75%
24 months $500 1.00% / 1.00% 1.05% / 1.05% 1.10% / 1.10%
36 months9 $500 1.40% / 1.39% 1.45% / 1.44% 1.50% / 1.49%
48 months $500 1.70% / 1.69% 1.75% / 1.74% 1.80% / 1.79%
60 months $500 1.80% / 1.84% 1.90% / 1.89% 1.95% / 1.94%

“The Bump Your Rate certificate has a very competitive rate and is a good deal."

Eddie
Member since 2015