Featuring
4.10% APY

Certificates of Deposit

Begin Investing

Open an account

If you're looking to earn higher interest on your funds to grow your money in a safe and secure way, a Certificate of Deposit (CD) may be the right move for you. Lock-in a fixed rate of return for a specified length of time netting you guaranteed growth. Start with as little as $500 and lock in your rate for 3 months up to 7 years. 

CDs1

Saving for the future just got easier with CDs designed to meet your unique needs.

  • Regular CD - Maximize your savings with risk free growth and a fixed rate of return. Pick any term from 3 months up to 5 years.
  • Traditional IRA CD - Enjoy a guaranteed rate and tax advantages on a retirement savings account that is funded with pre-tax income.
  • Roth IRA CD - Enjoy a guaranteed rate and tax advantages on a retirement savings account that is funded with post-tax income.
  • SEP (Simplified Employee Pension) CD - A retirement account designed for business owners to provide retirement benefits for themselves and their employees.
  • Coverdell ESA (Education Savings Account) - A tax-advantaged savings account intended to help parents and guardians prepare for the expense of their child's education.


Flex-Rate CDs

Flex your earning power with our Flex Rate CD. Choose a 24 or 48 month CD and if a better rate comes along during your term, flex your rate up to the higher rate. 

  • 2 year - Flex your rate one time.2 
  • 4 year -  Flex your rate up to two times.3

Flex Access

CD Builder

Building a strong financial future takes time and your CD can build with you! Start small and watch your growth. .

  • $100 minimum required to open with direct deposit/payroll deduction. Maximum initial deposit may not exceed $1,000

  • $500 minimum required to open without direct deposit/payroll deduction. Maximum initial deposit may not exceed $1,000

5 year Youth CD Builder5


Available to members age 17 and under
  • $100 minimum required to open with direct deposit/payroll deduction. Maximum deposit of $50K.

  • $500 minimum required to open without direct deposit/payroll deduction. Maximum deposit of $50K.

Set up regular deposits to your CD Builder from your payroll and you are sure not to miss these deposits as you build your financial future. Prefer to make your own deposits? Let us explore your options and find the right fit for you.

Open an Account

It's easy! Make an appointment to open an account, or open one online!

Type (Term) Term Min Balance To Open <100K INT RATE APY >100K INT RATE APY
Regular Only 9 Month $500 3.25% 3.30%
Regular, IRA, SEP & Coverdell 3 Month $500 2.75% 2.80%
Regular, IRA, SEP & Coverdell 6 Month $500 3.00% 3.05%
Regular, IRA, SEP & Coverdell 1 Year $500 3.75% 3.85%
Regular, IRA, SEP & Coverdell 18 Month $500 4.00% 4.10%
Regular, IRA, SEP & Coverdell 2 Year $500 4.00% 4.10%
Regular, IRA, SEP & Coverdell 3 Year $500 3.65% 3.75%
Regular, IRA, SEP & Coverdell 4 Year $500 3.55% 3.65%
Regular, IRA, SEP & Coverdell 5 Year $500 3.70% 3.75%
Regular, IRA, SEP & Coverdell 7 Year $500 3.95% 4.00%
Flex Rate (Regular Only) 2 Year $500 3.90% 4.00%
Flex Rate (Regular Only) 4 Year 500 3.45% 3.55%
Flex Access (Regular Only) 5 year 500 3.60% 3.65%
Youth CD Builder Account (Ages 0-17) 5 Year $100 on DD/PR or $500 3.60% N/A
CD Builder Account 2 Year $100 on DD/PR⁴ or $500 3.90% N/A

What type of Investment Accounts does FCCU offer?

What type of Investment Accounts does FCCU offer?

We offer a variety of accounts like CDs, Health Savings Accounts, IRAs and Money Managment accounts.  You can speak with one our Wealth Advisors to get set up with the right account for you.

Can I withdraw cash over $10,000?

Can I withdraw cash over $10,000?

Yes, if you have the funds available and choose to withdraw the funds in the form of cash, we ask that you call us 3 business days ahead of time so we can arrange to have the funds on-site. We recommend you consider taking large sums of money in the form of a certified check as this is safer than having large sums of cash on you. If you choose to take a check, no advance notice is needed. However, if you would like cash, call us at 281.856.5300 and provide us with the which branch, the amount and when you will be by to withdraw the funds.

What is the minimum amount to open a Money Management Checking Account?

What is the minimum amount to open a Money Management Checking Account?

The minimum amount to open a Money Management Checking Account is $2,500.

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