Main Number: 866-385-9281 (Toll-Free) | St. Louis Office: 314-444-8904
Main Number: 866-385-9281 (Toll-Free) | St. Louis Office: 314-444-8904

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

Term Certificate Rates effective as of December 1, 2022:
6 Month Rate: 1.00% / APY*: 1.00%
12 Month Rate: 4.00% / APY*: 4.08%
24 Month Rate: 4.00% / APY*: 4.08%
36 Month Rate: 4.25% / APY*: 4.34%
48 Month Rate: 4.25% / APY*: 4.34%
60 Month Rate: 4.50% / APY*: 4.60%
72 Month Rate: 4.50% / APY*: 4.60%
84 Month Rate: 4.50% / APY*: 4.60%
*Annual Percentage Yield

Open a term share certificate today!  Complete this form and email to help@frbfcu.org
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Phone: 866-385-9281
2001 Constitution Avenue, NW Washington, DC 20551