Are share certificate rates fixed?

Yes. Share certificates have a fixed dividend rate for the entire term.

Is there a penalty for early withdrawal from a certificate?

Early withdrawal from a share certificate may result in a penalty. Contact a branch for specific terms and conditions.

What is a share certificate at Firefighters Credit Union?

A share certificate is a savings product that locks in funds for a specific term and pays a fixed dividend rate for the length of that term.

Share Certificates

Pays Dividends

Share Certificates at Firefighters Credit Union

If you’re looking for a secure way to grow your savings with a fixed rate of return, a Share Certificate from Firefighters Credit Union may be the right choice. Share Certificates allow you to deposit funds for a specific term and earn a fixed dividend rate during that period. Your rate is locked in for the length of the certificate, providing predictable growth and peace of mind.

Share Certificate Offerings

Monthly dividends
Certificates minimums as low as $1,000
Competitive high rates
Variety of terms

How Share Certificates Work

Open a Certificate with the Required Minimum Deposit
A minimum opening balance is required. Current minimums and rates are available on our Rates page.
Earn Dividends at a Fixed Rate
Your Annual Percentage Yield (APY) remains fixed for the term of the certificate.
Hold Funds for the Full Term
Funds remain on deposit until maturity. Early withdrawal penalties may apply.
At Maturity
When your certificate matures, you may renew, transfer the funds, or withdraw your balance.

For current dividend rates and available terms, please visit our Rates & Specials page or contact us directly.

▶ View Share Certificate Calculator

Federally Insured for Your Protection

All deposits at Firefighters Credit Union, including Share Certificates, are federally insured by the National Credit Union Administration (NCUA) up to at least $250,000, backed by the full faith and credit of the United States Government.