Main Number: 866-385-9281 (Toll-Free)   |   St. Louis Office: 866-385-9281, Press 3   |   Email: help@frbfcu.org   |   RTN/ABA #: 254074581

Term Certificates

  • Earn guaranteed income with a fixed rate on your long-term savings!
  • Maturities of from 6 months to 7 years
  • Dividends compound daily and are paid:
    • at maturity
    • or quarterly or annually for regular income more frequently
    • you choose when you open the certificate!
  • Minimum balance is $1,000
  • There are penalties for early withdrawal:
    • For maturities less than one year: you will forfeit an amount equal to the lesser of 90 days of dividends or dividends earned since issuance or renewals of the certificate.
    • For maturities of one year or more: you will forfeit an amount equal to the lesser of 180 days of dividends or dividends earned since issuance or renewals of the certificate.
    • There is no penalty for early withdrawal upon the death of the primary owner

Interested in a Certificate Ladder? Contact Us Today!

Term Certificate Rates effective as of March 1, 2024:

Term Shares Certificate Rate APY*
6 months 4.85% 4.97%
12 months 5.00% 5.13%
24 months 4.10% 4.19%
36 months 3.75% 3.82%
48 months 3.75% 3.82%
60 months 3.75% 3.82%
72 months 3.75% 3.82%
84 months 3.75% 3.82%

*Annual Percentage Yield

Open a term share certificate today!  Complete this form and email to help@frbfcu.org.
If you’re already a member, you can log into Online Banking to open your new Term Certificate!