Due to power outages, branches, including drive thru teller services will be closed for the remainder of the day, Friday, July 12th. Online Banking services are limited with balances reflecting as of 4am CST. Credit and Debit cards are working and Free ATMs are available through Allpoint, Co-op, and Money Pass. Find a Free ATM here.

Certificates of Deposit

Begin Investing

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

A person adding a coint to a stack of coins

CDs2 

  • Regular CD
  • Traditional IRA CD 
  • Roth IRA CD
  • SEP (Simplified Employee Pension) CD
  • Coverdell ESA (Education Savings Account)

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 4.50% 4.55%
Regular, IRA, SEP & Coverdell 3-Month $500 4.25% 4.30%
Regular, IRA, SEP & Coverdell 6-Month $500 4.50% 4.55%
Regular, IRA, SEP & Coverdell 1 Year $500 4.25% 4.35%
Regular, IRA, SEP & Coverdell 18-Month $500 3.95% 4.05%
Regular, IRA, SEP & Coverdell 2 Year $500 3.80% 3.90%
Regular, IRA, SEP & Coverdell 3 Year $500 3.70% 3.80%
Regular, IRA, SEP & Coverdell 4 Year $500 3.60% 3.70%
Regular, IRA, SEP & Coverdell 5 Year $500 3.50% 3.55%
Regular, IRA, SEP & Coverdell 7 Year $500 3.80% 3.85%
Flex Rate (Regular Only) 2 Year $500 3.70% 3.80%
Flex Rate (Regular Only) 4 Year 500 3.50% 3.60%
Flex Access (Regular Only) 5 year 500 3.40% 3.45%
Youth CD Builder Account (Ages 0-17) 5 Year $100 on DD/PR or $500 3.40% 3.40%
CD Builder Account 2 Year $100 on DD/PR⁴ or $500 3.70% 3.70%

What type of Investment Accounts does FCCU offer?

Can I withdraw cash over $10,000?

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

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