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FMFCU certificates offer a great way to save for short- and long-term needs. Terms vary from 3 months to 5 years and our certificate products offer high yields. Unlike some other investment options, your funds are insured by NCUA.
- Membership eligibility applies
- Minimum deposit is $500 for consumers and $1,000 for business/organizational certificates. For members under the age of 18, the minimum is $250.
- Monthly, quarterly, or annual automatic distribution of dividends
- View rates and terms
*Annual Percentage Yield (APY) accurate as of 5/1/2026, subject to change. $500 minimum. Penalty for early withdrawal. Fees and other conditions could reduce earnings. Available on IRA certificates. Competitor rates accurate as of 5/1/2026.