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Share Certificates

Earn more with your savings


Want to make your money grow? With a Share Certificate, your money will earn high, guaranteed dividend rates and help you achieve your savings goals faster.


Flexible Terms

Choose a term and maturity date that fits your lifestyle, available from 6 to 60 months.

Earn Dividends

Enjoy higher rates than many other savings account options to really put your money to work.

Check Rates

Dividends Compounded Monthly

No simple dividends here! Share Certificate dividends are compounded monthly so you can get the most from your savings.

Open and fund in Online Banking

In Desktop, click the Apply & Add tab and select Add Account. In Mobile, tap More, choose Apply & Add, and select Add Account. Choose a Share Certificate and follow the prompts!

Manageable Opening Deposit Amount

The minimum opening deposit for regular Share Certificates is $500.

Make Additional Deposits at Maturity

Each certificate has a 10 day grace period from the date of maturity. During the grace period, you may make additional deposits without a penalty.

Flexible terms

Choose a term that works for you

Some Share Certificates require ridiculously long terms, but you might not want to lock up your funds for too many years. Our options allow you to put your money away for a timeframe that works best for your needs and budget, with flexible terms from 6 and 60 months. Restrictions apply.

As high as APY

Final Balance

Contributions:     |    Earnings: 
Initial Deposit
Dividend Rate

I was experiencing a problem with incorrect expiration dates on certificates and the employees came to my rescue and corrected the problem quickly. We have always appreciated good friendly service from FFCU. Great credit union!

— Donna H.

How it works

Get your savings to work by opening a Share Certificate in just three easy steps:

  • 1

    Contact Us

    Let us know you'd like to open a Share Certificate.

  • 2

    Make an initial deposit

    Deposit $500 or more to open your certificate.

  • 3

    Enjoy your earnings

    Earn monthly dividends on your balance.

Share Certificate

Make the most of your money

Put your money to work in a Share Certificate that earns higher rates than many other savings accounts.

Fraud Alert: Beware of phishing texts that look like they're from us. Don't click links to verify card or Online Banking activity. Be safe and contact us directly!

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