Share Certificates

By: Eric Rich  09-12-2011

Share Certificates

If you are looking to maximize your earnings and are willing to invest for a specific amount of time, then a Share Certificate is a great investment instrument for you.

Generally, the longer the certificate term, the higher the annual percentage yield. Simply choose a term that will provide the highest Annual Percentage Yield (APY) while allowing access to funds when a need is anticipated.  Call 800-949-7628 and a credit union representative can assist you in openting a Share Certificate, or answer any questions you may have.  

Share Certificate Terms                         

5-month -- special term
9-month -- special term
15-month -- special term

Other products and services from Eric Rich


IRA Certificates

Roth IRA contributions are not tax deductible, but if funds are disbursed in a "qualified contribution" then it would not be subject to federal income tax or subject to the IRS early distribution penalty. Educational Savings Account Certificates are designed to assist saving specifically for the higher education expenses of a designated beneficiary.


FA$TCA$H Deposit

Simply log onto online banking.


Share Draft Account

If you want to earn a higher rate of interest than a typical Share Draft Account Money Market Account would be another option. These additional benefits for those with direct deposit of net check make FPCU's Share Draft Account even better. FPCU's MasterMoney Debit Card will provide access to funds in Share or Share Draft accounts at any ATM. A checking account that is simplicity at its best -- no minimum balance, no service fees.


Share Accounts

A Share Account, also referred to as a savings account, provides a safe and secure way to reach the savings goals that you've established and and still have complete access to your funds when you need it. Holiday Accounts can be opened at any point during the year and will automatically transfer to your Share Account around October 15th each year.