Certificates
Guaranteed Growth, No Market Worries. A Certificate of Deposit (CD) offers a safe, reliable way to grow your money with a fixed, guaranteed interest rate - regardless of market fluctuations. Simply choose a term, such as 6 months or 1 year, and enjoy higher returns than traditional savings accounts. The longer you save, the more you earn, making a CD a smart choice for long-term financial goals.
Our share certificates of deposit pay higher dividend rates as invested funds remain on deposit for a fixed period of time.
- Minimum balance: $500
- Dividends: Calculated daily, paid quarterly
| CD/IRA Certificates | Percentage Rate | Yield | Term |
|---|---|---|---|
| CD/IRA | 1.25% | 1.25% APY | 6 Months |
| CD/IRA | 1.75% | 1.75% APY | 12 Months |
| CD/IRA | 2.25% | 2.25% APY | 18 Months |
| CD/IRA | 2.75% | 2.75% APY | 24 Months |
| CD/IRA | 2.75% | 2.75% APY | 30 Months |
| CD/IRA | 2.85% | 2.85% APY | 36 Months |
| CD/IRA | 3.00% | 3.00% APY | 48 Months |
| CD/IRA | 3.25% | 3.25% APY | 60 Months |
GRACE PERIOD: 10 days with option to renew at rate as of maturity date or rate on day renewed. | |||
There are no fees for establishing and maintaining a CD/IRA share certificate at the Credit Union. Share Certificates require a minimum deposit of $500.00. A penalty may be imposed for early withdrawal. Rates are subject to change at any time. | |||
APY=Annual Percentage Yield. | |||
How to Open a Certificate
Contact us at (256) 767-4700 or (256) 766-7264 to get started or simply visit your closest Florence Federal Credit Union location.
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