Share Certificates

Rates Calculator

Why gamble when it comes to your money? Share Certificates provide a sure-fire way to save with fixed rates for a set term length. Some certificates allow you to step up your rate once during your term if market values rise. Start saving today!

Apply Now

Are you a current member of First Capital Federal Credit Union?

If you’d like to open an additional membership, please select “No”

  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Set aside for future savings goals
  • A wide range of terms available (from 3 months to 5 years)
  • No setup fees
  • Early withdrawals subject to penalty*
  • Minimum opening deposit:
    • $500 under age 19
    • $1,000 age 19 and over
  • IRA Share Certificates available

Step-Up Certificate*

  • Step up your rate one time over the term
  • Helpful should the market value rise over the course of your term
  • 24-month term
  • $5,000 minimum deposit to open

Teach your children the virtue of patience with our youth share certificate! They'll earn competitive dividends throughout a 2-year term.

  • Available to members 18 and younger
  • 24-month term available
  • Fixed dividend rate, higher than regular savings
  • Watch your savings grow beyond your initial deposit
  • Add funds of $25 or more at any time over the course of your 24-month term
  • Early withdrawals subject to penalty*
  • $100 minimum deposit to open
Apply Now

Are you a current member of First Capital Federal Credit Union?

If you’d like to open an additional membership, please select “No”

View our Truth in Savings Disclosure (Share Certificates).

View our Fee Schedule.

*The amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:

  • Terms of 6 months or less – 90 days' worth of dividends
  • Terms of longer than 6 months – 180 days' worth of dividends