More Savings. More Earning Power!
Your savings should work as hard as you do. With our new Certificate Earning Tiers, you can now earn a higher yield based on the amount you deposit - giving you even more earning potential from every certificate term.
Wherever you are in your savings journey, there's an earning tier that works harder for you.
$500 - $49,999
Begin earning a competitive, guaranteed return.^
$50,000 - $99,999
Move up an earning tier and enjoy an even higher yield.
$100,000+
Put more of your savings to work with our highest-earning certificate yields.
The More You Save, the More You Can Earn
Already have additional savings sitting in another account? Bringing more of those funds into a FiCare FCU Certificate could help you earn a higher yield while locking in a guaranteed return for the term you choose.
With multiple terms and three Earning Tiers available, you have more ways to choose the Certificate that fits your savings goals.
| Certificate Rates | ||
| Effective Date: 9/24/2026 | ||
| Minimum Balance | Dividend Rate | APY* |
- 6 Month Certificates - | ||
| $500 - $49,999 | 2.96% | 3.00% |
| $50,000 - $99,999 | 3.06% | 3.10% |
| $100,000 or more | 3.15% | 3.20% |
- 1 Year Certificates - | ||
| $500 - $49,999 | 3.73% | 3.80% |
| $50,000 - $99,999 | 3.83% | 3.90% |
| $100,000 or more | 3.93% | 4.00% |
- 2 Year Certificates - | ||
| $500 - $49,999 | 3.88% | 3.95% |
| $50,000 - $99,999 | 3.98% | 4.05% |
| $100,000 or more | 4.07% | 4.15% |
- 3 Year Certificates - | ||
| $500 - $49,999 | 3.59% | 3.65% |
| $50,000 - $99,999 | 3.69% | 3.75% |
| $100,000 or more | 3.78% | 3.85% |
- 4 Year Certificates - | ||
| $500 - $49,999 | 3.69% | 3.75% |
| $50,000 - $99,999 | 3.78% | 3.85% |
| $100,000 or more | 3.88% | 3.95% |
- 5 Year Certificates - | ||
| $500 - $49,999 | 3.78% | 3.85% |
| $50,000 - $99,999 | 3.88% | 3.95% |
| $100,000 or more | 3.98% | 4.05% |
What is a Share Certificate?
Share Certificate Accounts, commonly called Certificates of Deposit (CD), are an excellent tool to boost your savings.
- The money you put in your Share Certificate is "locked" in for the designated term you choose.
- In exchange, you earn much higher yields than other savings options.
- Share Certificates force you to save by limiting access to your funds - helping your savings grow even faster!
Who Should Invest with Certificates?
Everyone! Certificates allow you to earn greater returns on your money without any market risk. Plus, the earnings are guaranteed!^
Here are a few ideal scenarios where Certificates shine:
- Nearing Retirement: Share Certificates are a more conservative investment option that carry no market risk (e.g., stocks and bonds).
- Diversifying Your Portfolio: A well-diversified investment portfolio is a winning strategy for any investor.
- First-Time Investors: Before jumping into risk-based investments, learn to not touch your money and let it compound with a Cerfiticate.
- Achieving Goals: Each certificate has a "term" or investment period. You can time your Certificates to coincide with future goals (e.g., new car down payment).
*Annual Percentage Yield (APY) is accurate as of Effective Date. APY, terms, and conditions are subject to change without notice. Fees could reduce earnings on accounts. For current rates and terms for specific accounts, contact us. Dividends are paid from current income and available earnings. Dividends are compounded monthly. The monthly dividend period begins on the first calendar day of the month and ends on the last calendar day of the month. The minimum balance column indicates the minimum balance required to earn stated APY. Accounts are insured up to $250,000 by the National Credit Union Administration.
^Your savings are federally insured by the National Credit Union Administration (NCUA), a U.S. government agency, to at least $250,000 and backed by the full faith and credit of the United States government.
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