Share Certificate Rates



Rates reflect dividends for the period of October 1, 2023 - December 31, 2023. For updated information, inquire at any FedChoice Financial Service Center location or contact our Member Care Center at 301.699.6151 • 800.969.6151.

Share Certificate
Term Dividends Compounded /
Rate Tiers APY* Earn More
6 Months Regular Quarterly $500 - $49,999 4.00% 4.25%
Mini-Jumbo   $50,000 and above 4.05% 4.30%
11 Months High-Yield^ Quarterly $500 - $500,000 5.25% N/A
12 Months Regular Quarterly $500 - $49,999 4.50% 4.75%
Mini-Jumbo   $50,000 and above 4.55% 4.80%
18 Months Regular Quarterly $500 - $49,999 4.60% 4.85%
Mini-Jumbo   $50,000 and above 4.65% 4.90%
24 Months Regular Quarterly $500 - $49,999 4.50% 4.75%
Mini-Jumbo   $50,000 and above 4.55% 4.80%
36 Months Regular Quarterly $500 - $49,999 4.30% 4.55%
Mini-Jumbo   $50,000 and above 4.35% 4.60%
48 Months Regular Quarterly $500 - $49,999 4.10% 4.35%
Mini-Jumbo   $50,000 and above 4.10% 4.35%
60 Months Regular Quarterly $500 - $49,999 3.95% 4.20%
Mini-Jumbo   $50,000 and above 4.00% 4.25%
$500 Minimum Opening Balance  

Term Certificate accounts may be subject to penalties for early withdrawal.

*Rates quoted as Annual Percentage Yield (APY). Any APY provided in this disclosure assumes dividends will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no terms. A withdrawal will reduce earnings. Rates for variable-rate accounts are in effect through the period disclosed. See your account disclosure for additional information about your account.

**The Earn More rate is applied to certificates opened by members who have open checking accounts. If you do not have a checking account, the lower "standard" rate will apply. If you open a checking account after a certificate is opened, the Earn More rate will apply only when the certificate renews.

^ Not available for the Earn More rate even if the account has an associated checking account. Limited to one per member. This 11 month Share Certificate must be opened with funds not on deposit at FedChoice (defined as not having been at FedChoice in the last 30 days). FedChoice Federal Credit Union reserves the right to discontinue this offer without further notice to you. 

Please keep in mind, if you open a FedChoice checking account after the certificate was opened, the higher dividend rate will only apply when the certificate renews. Similarly, if you already have a FedChoice checking account and FedChoice certificates, the new higher dividend rate will only apply once the certificate renews.

All rates subject to change without notice. Please call the Credit Union to confirm posted rates. Your savings are insured up to $500,000. The first $250,000 per member is insured by the National Credit Union Association (NCUA), a U.S. Government Agency, with an additional $250,000 of coverage provided by Excess Share Insurance Corporation (ESI), a private corporation.