At FOCUS Credit Union, our goal is to see you get the most out of your money. If you have savings that you are unlikely to need ready access to, then your money could be working harder for you by earning a higher rate of interest. A share certificate from FOCUS CU works just like a bank certificate of deposit, giving you the opportunity to put your money into an account for a specified amount of time, from 3 months to 3 years, to earn you the best rate.
Certificate Accounts to Suit Your Savings Style
Regular Share Certificate Accounts
Regular Certificates require a minimum balance of $500 for 3-month and 6-month, or a minimum of $1,000 for the 1-, 2-, or 3-year certificates. The amount of interest you can earn increases with the length of the term.
Premium Share Certificate Accounts
Premium Certificates have a minimum balance requirement of $ 5,000 and earn a higher rate than regular certificates. We offer terms from 3 months to 36 months for these higher-yield accounts. All dividends are compounded and paid quarterly.
Evergreen Certificate
We want to help you grow your green. This special group of Certificate Accounts allows unlimited deposits to the account throughout the term of the certificate. The Evergreen Certificate program has 6-month, 18-month, and 30-month terms to choose from, and only a minimum balance of $100 is needed to open. The key here is you can add money to these certificates at any time for the life of the account. So, if you are saving for college, a car, a home, a vacation – whatever it is you can maximize your return and build your balances on your schedule and in the amounts that work for you.
IRA Certificates
When you are ready to save for your retirement, consider opening an IRA share certificate. Ask at a branch today about terms and conditions, and get started saving for a comfortable future.
Start earning more today — with a certificate that fits just right.
Whether you’re building toward something big or simply seeking a smarter place for your savings, your next move is clear — and crafted for you.
*Annual Percentage Yield (APY) and Annual Percentage Rate (APR) are accurate as of the date of publication and are subject to change without notice. A minimum deposit of $10,000 is required to open and earn the stated APY. Penalties may be imposed for early withdrawal, which may reduce earnings. At maturity, certificates may automatically renew at the then-current rate and term unless otherwise specified. Membership eligibility required. Federally insured by NCUA.