Certificates
Discover one of the most secure ways to grow your savings with a reliable return on your investment.
Secure savings growth with industry-leading rates and flexible term options to match your goals.
An F&A Certificate is a safe, flexible way to build up your savings and diversify your financial portfolio. Lock in competitive rates for terms from six months to five years in a federally insured investment. Whether you're saving for a specific goal or simply want guaranteed growth, F&A Certificates offer the security of fixed returns without market risk. Enjoy peace of mind while your savings grow at industry-leading rates.
At a glance
- Choose flexible terms from 6 months to 5 years
- Earn exceptional dividends monthly, with higher rates for balances of $50,000 or more{{cert_dividend}}
- Minimum balance of $1,000
- No monthly fee
- Automatic renewal options to keep your savings growing continuously
Open an account via Digital Banking, by calling our Member Contact Center, or in person at one of our branch locations.
Certificates
Watch your money grow at a premium rate when you agree to receive paperless eStatements.
APY{{apy}} as high as
4.50%
Dividend rate{{cert_dividend}} as high as
4.40%
Minimum to earn
$1,000.00
Minimum to open
$1,000.00
Monthly fee
$0.00
Early withdrawal penalty
Yes
Auto renewal available
Yes
Federally insured balances up to
$250,000.00
| Term | Dividend Rate{{cert_dividend}} | APY{{apy}} |
|---|---|---|
| 6 months | 4.40% | 4.50% |
| 1 year | 4.40% | 4.50% |
| 2 years | 4.16% | 4.25% |
| 3 years | 4.16% | 4.25% |
| 4 years | 3.92% | 4.00% |
| 5 years | 4.16% | 4.25% |
| Term | Dividend Rate{{cert_dividend}} | APY{{apy}} |
|---|---|---|
| 6 months | 4.16% | 4.25% |
| 1 year | 4.16% | 4.25% |
| 2 years | 3.92% | 4.00% |
| 3 years | 3.92% | 4.00% |
| 4 years | 3.68% | 3.75% |
| 5 years | 3.92% | 4.00% |
Calculate Your Earnings
FAQs
What happens at the end of the Certificate’s term?
Once your Certificate has reached maturity, it will automatically renew at the current rate, or you can elect to:
- Invest in a new F&A Certificate
- Deposit your money into an F&A Checking or Savings Account.
- Withdraw your money
Can I withdraw my money early?
If you withdraw funds from the Certificate before it has reached maturity, you will incur a penalty.
What is the difference between a Certificate and an IRA Certificate?
Funds in a Certificate are available once the Certificate has reached maturity. In short, funds in an IRA Certificate are intended to be part of a diversified retirement strategy and are available for withdrawal without penalty once the account owner has reached the age of 59 ½.
Excellence
Raising the bar in everything we do.
We embrace challenges and relentlessly pursue the best solutions for our members. At F&A, we're continually evolving to meet your financial needs, make banking more convenient, and provide expert guidance. Our commitment to excellence means you'll always receive the highest quality service tailored to help you achieve your financial dreams.
