Certificate of Deposit

Certificates

When you want to earn a higher interest rate on your savings, consider a Certificate of Deposit (CD). A CD is a fixed savings account that earns interest based on your balance and the term of the account.

A CD is perfect for your longer term savings goals, like creating a fund for your child’s or grandchild’s college education. It can also help you save for a down payment on a car or home quicker with its higher rate and limited withdrawals.

You can start a certificate with as little as $1,000. All deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), so you have peace of mind that your savings are safe with First Financial.

If you are a current member, you can immediately open a CD in online banking by selecting New Accounts and then More Certificate Info. Transfer funds from one of your other FFCU accounts to open the certificate or set up an Account-to-Account transfer to easily and securely transfer funds from another financial institution.

 


Rates & Terms

Certificate Rates - Effective Saturday, December 3, 2022
Certificate TermAPYMinimum Deposit
22 MO PROMO CD2.5%$1000
12 MONTH CERTIFICATE1.95%$1000
12 MONTH CERTIFICATE1.95%$5000
12 MONTH CERTIFICATE1.95%$100000
18 MONTH CERTIFICATE2.05%$1000
18 MONTH CERTIFICATE2.05%$5000
18 MONTH CERTIFICATE2.05%$100000
24 MONTH CERTIFICATE2.25%$1000
24 MONTH CERTIFICATE2.25%$5000
24 MONTH CERTIFICATE2.25%$100000
36 MONTH CERTIFICATE2.75%$1000
36 MONTH CERTIFICATE2.75%$5000
36 MONTH CERTIFICATE2.75%$100000
48 MONTH CERTIFICATE3.05%$1000
48 MONTH CERTIFICATE3.05%$5000
48 MONTH CERTIFICATE3.05%$100000

APY = Annual Percentage Yield. Early withdrawal penalties may reduce earnings. Subject to change at any time.

View All Account and Loan Rates and Disclosures