Certificates
Term Certificates
If you’re looking for higher rates to make your money work for you without the risks of the markets it may be time to think about a Term Certificate. With a high fixed interest rate and defined terms, you know from the start exactly what you’ll earn.
- Four Points Term Certificates earn a higher rate than most traditional Savings accounts
- Lock in these higher interest rates for anywhere from six months to four years
- Special promotions may include Certificates with different savings terms and minimum dollar amounts
- You may forfeit some dividend earnings if you withdraw funds early, but your initial investment is always safe
- Deposits insured by the National Credit Union Administration
Regular and IRA Certificates
$1,000 – $24,999
| Term | Rate | APY |
|---|---|---|
| 6 months | 4.650% | 4.75% |
| 9 months | 4.410% | 4.50% |
| 12 months | 4.169% | 4.25% |
| 18 months | 3.928% | 4.00% |
| 24 months | 3.687% | 3.75% |
| 30 months | 3.445% | 3.50% |
| 36 months | 2.96% | 3.00% |
| 48 months | 2.716% | 2.75% |
Regular and IRA Certificates
$25,000 or more
| Term | Rate | APY |
|---|---|---|
| 6 months | 4.698% | 4.80% |
| 9 months | 4.323% | 4.55% |
| 12 months | 4.092% | 4.30% |
| 18 months | 3.859% | 4.05% |
| 24 months | 3.626% | 3.80% |
| 30 months | 3.392% | 3.55% |
| 36 months | 2.920% | 3.05% |
| 48 months | 2.683% | 2.80% |
Disclosures:
APY is Annual Percentage Yield. $1,000 minimum to open non-promotional Term Certificates. Penalty for early withdrawal of regular and add-on certificates is 90 days dividends for terms 12 months or less, 180 days dividends for terms greater than 12 months. Fees may reduce yield. Certificates will automatically renew at the standard Certificate rates for the same term at maturity. See Account Terms & Membership Disclosures and our Certificate Agreement & Disclosure for complete details.
Choice Certificates
THE BEST OF BOTH WORLDS
Looking for a way to make a larger balance work for you while maintaining flexibility? With Four Points Federal Credit Union’s Choice Certificate, you remain in control of how, where, and when you earn the most dividends possible. These certificates pair competitive earning rates with the flexibility of zero penalties on early closure or account withdrawals—as long as it’s done six days after the initial funding.
- Earn bigger dividends at a rate that’s locked in and unaffected by the shifting market
- Withdraw your full balance & dividends any time after the first six (6) days following the date you funded your Choice Certificate
- No monthly maintenance fees are charged on any FPFCU Certificates
- Choice Certificates start with a $10,000 minimum deposit
- Deposits insured by the National Credit Union Administration
Choice Certificates
$10,000 or more
| Term | Rate | APY |
|---|---|---|
| 24 months | 4.169% | 4.25% |
Disclosures:
APY is Annual Percentage Yield. $10,000 minimum to open. Choice Certificates have no early withdrawal penalty six (6) days after initial account funding. Certificate will automatically renew at the standard Certificate rates and terms at maturity. See Account Terms & Membership Disclosures and our Certificate Agreement & Disclosure for complete details.
Stash Your Cash Certificate
Start with as little as $100, lock in a great rate, and keep building toward your savings goal by making deposits any time you have some extra money available.
- Take advantage of higher Term Certificate earnings without having to make a large initial deposit
- Choose savings periods of 6 or 12 months
- Additional deposits of $10 or more can be made anytime, even after account is opened
- Great choice for new savers or those who are dedicated to achieving their savings goal
| Term | Rate | APY |
|---|---|---|
| 6 month | 3.687% | 3.75% |
| 12 month | 3.203% | 3.25% |
Disclosures:
APY is Annual Percentage Yield. $1,000 minimum to open non-promotional Term Certificates. Penalty for early withdrawal of regular and add-on certificates is 90-day dividends for terms 12 months or less, and 180-day dividends for terms greater than 12 months. Fees may reduce yield. Certificates will automatically renew at the standard Certificate rates for the same term at maturity. See Account Terms & Membership Disclosures and our Certificate Agreement & Disclosure for complete details. Programs, rates, terms and conditions are subject to change without notice.
