Share Certificates


Save With Confidence

A certificate account from FedChoice is a great way to save for your future goals and dreams, whether you’re saving for a college education or a down payment on a house. With terms ranging from six months to five years, the longer you leave the money in the account the more you’ll earn.

  • Start saving with a minimum deposit of $500.
  • Choose your term – With terms from 6 – 60 months, we have a Certificate that fits your needs
  • Earn More – Members with an active checking account earn 25 basis points more on the certificate than our regular rates.^
  • Your savings are federally insured by the NCUA, up to $500,000.

Already a member? Opening your new Certificate Account is easy. Login to eBanking to get started, or call our Member Care Center at 800.969.6151.

*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.

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.


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Rates at a glance

Loan Rates

Deposit Rates