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BUMP UP SHARE CERTIFICATES

Grow your savings faster and change your rate when the time is right!

Overview

Certificate rates can fluctuate significantly over a few years. We understand how frustrating it can feel when rates rise, but you’re stuck with a lower one. This is where Bump Up Certificates come in.

Your Bump Up Certificate doesn’t get left behind when the 24-35 month certificate rate rises. Instead, you can match this new rate once during your certificate’s term. It opens up the opportunity for greater returns on your savings!

BUMP UP SHARE CERTIFICATE BENEFITS

ADJUSTABLE RATE

You can change your rate once to get the most from your savings.

GUARANTEED RETURNS

Your new higher rate remains fixed until the maturity date.

NO HIDDEN FEES

We provide transparent and upfront pricing so you can open a share certificate without worrying about hidden costs.

MAXIMIZED EARNINGS

Get a chance to earn additional money if the rate increases at a future date.

FLEXIBILITY

Adjust your rate mid-term without needing to extend your certificate's duration.

EASY TO OPEN

Open, fund, and manage your certificate easily with Online Banking and Mobile Banking.

MORE DETAILS ABOUT BUMP UP SHARE CERTIFICATES

Why not get the most out of your certificate of deposit?

Bump up Certificates offer the opportunity to increase your interest rate during the 30-month term. This option applies if dividend rates on 24 to 35-month certificates have increased.

You’ll need a $500 or more initial deposit to open the certificate. You’ll then need to maintain a minimum balance to earn the APY on the funds.

And with a 30-month term, your funds will be available to withdraw at maturity before you know it!

BUMP UP CERTIFICATE RATES

View all Rates
APY

INTRODUCTION TO BUMP UP SHARE CERTIFICATE CALCULATOR

See how Bump Up Share Certificates can offer principal protection and enhanced returns. This easy-to-use calculator estimates potential payouts at maturity based on your input.

Final Balance

Contributions:     |    Earnings: 
Initial Deposit
$
Dividend Rate
%
$
Months
24
35

OPEN A BUMP UP CERTIFICATE IN THREE SIMPLE STEPS

  • 1

    APPLY

    Click the link below to make a request or stop by any location to get started.

  • 2

    FUND YOUR CERTIFICATE

    Make an initial deposit of $500 or more to open your certificate.

  • 3

    READY, SET, SAVE!

    Sit back and watch your money grow! You can track your progress in Online Banking.

Iโ€™ve banked with Fibre Credit Union for over 20 years and have always been happy with the services I receive. Today is no exception. I called and was assisted by Paula who was very thorough in answering my questions and, bonus, she was extremely personable. I really appreciate too the extra steps that are being taken to confirm identity.

— Rachelle R., Longview, WA.

WHY CHOOSE FIBRE FEDERAL CREDIT UNION?

Fibre Federal is more than just a financial institution. As a member-owned credit union, we put the best interests of our members first.

Our service area covers select counties in Washington and Oregon. Anyone with family ties or shared households with existing members can join. We also extend membership to select local businesses and organizations.

Fibre Federal Credit Union provides a full range of financial services designed to meet the specific needs of our member-owners. Experience the credit union difference with us.

BUMP UP SHARE CERTIFICATES FAQs

  • Unlike a regular Certificate, a Bump Up share certificate allows you to request a rate increase if interest rates rise during the term. This will potentially enable you to boost your annual percentage yield (APY).

  • Similar to other CDs, there is typically a penalty for early withdrawal from a Bump Up Certificate. Contact us to learn more.

  • You can request to step up your rate one time during the 30 month term. However, you must do it on or after the predetermined bump date and before maturity.

  • Pros are being able to take advantage of rising interest rates by requesting one rate bump option during the term of your share certificate, which is a benefit that is not offered with traditional CDs. The cons are you may miss out if rates drop. There are also penalties for early withdrawal before the maturity date.

BUMP UP SHARE CERTIFICATES

MAXIMIZE YOUR EARNING POTENTIAL

Don't get stuck with a low rate. Our Bump Up Share Certificate lets you upgrade your earnings if rates rise. More potential money for the same deposit—now that's smart saving!

MORE SAVINGS OPTIONS

SAVINGS ACCOUNTS

Save securely for your goals while enjoying easy access when you need it.

Learn More

MONEY MARKET ACCOUNTS

Get better returns beyond typical savings without locking up your money.

Learn More

CERTIFICATES

Boost returns on your savings with the certainty of fixed rates over set terms.

Learn More

SCAM ALERT Do not respond to a text claiming to be from Fibre, asking you to verify your identity. This is a phishing scam.

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