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Term Share Certificates

Maximize the return on your hard earned dollars by investing them for a specific period of time. Term Share Certificates offer high yields based on current market rates and terms ranging from 12 to 60 months. Penalties apply for early withdrawal.
 
We also offer special Term Share Certificates for our Kid’s and Teen Club members.
 

Promotional Certificate Rates
Effective Date: Wednesday, June 20th, 2018
Must be new money not on deposit at Firelands FCU for past 90 days. Membership eligibility required. Minimum balance required to earn promo rate is $500.
TermAnnual Percentage YieldDividend Rate
36 months 2.60% 2.57%
48 months 2.80% 2.77%
60 months 3.00% 2.97%

Term Share Certificate Account Rates*
Effective Date: Wednesday, June 20th, 2018
$500 minimum to open account
TermAnnual Percentage YieldDividend Rate
12 months 1.50% 1.49%
18 months 1.80% 1.79%
24 months 1.85% 1.84%
30 months 1.90% 1.89%
36 months 2.10% 2.08%
48 months 2.30% 2.28%
60 months 2.50% 2.48%

Kid's & Teen Club Term Share Certificate Rates*
Effective Date: Wednesday, June 20th, 2018
$100 minimum to open account
TermAnnual Percentage YieldDividend Rate
12 months 1.00% 1.00%
24 months 1.85% 1.84%

Smart Saver - Youth Term Share Certificate Rates*
Effective Date: Wednesday, June 20th, 2018
Age 0 - 12 $500 minimum to open account
Age 13 - 17 $1,000 minimum to open account
$20,000 maximum per youth
TermStated RateBonus RateAnnual Percentage Yield
12 months 1.00% Plus Age 1.00%
Ex: If child's age is 8, then (1.00% + 0.80%) Rate = 1.80%
Ex: If child's age is 15, then (1.00% + 1.50%) Rate = 2.50%

*Subject to early withdrawal penalties

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