Share Certificates

Clearly outline your future goals and how to achieve them with the help of a fixed-rate share certificate from First Capital Federal Credit Union.

Know exactly what you're saving and when — the rate you start with is the exact same rate you'll receive up until maturity. Speaking of rates — share certificates offer higher rates than regular savings that increase by selecting a longer term. We offer terms ranging from 3 months to 5 years. Select the one that works the best for your exact goals today.

View Our Rates

  • 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*
  • 24-Month Add-On Youth Share Certificates available
  • Minimum opening deposit:
  • $500 under age 26
  • $1,000 age 26 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

*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

Truth in Savings Disclosure

Fee Schedule