DC Main Office: 866-385-9281 (Toll-Free) St. Louis Branch: 314-444-8904 | Hours: Monday - Thursday from 8:30 ET to 3:30 ET, Friday from 10:00 ET to 3:30 ET.
DC Main Office: 866-385-9281 (Toll-Free) St. Louis Branch: 314-444-8904 | Hours: Monday - Thursday from 8:30 ET to 3:30 ET, Friday from 10:00 ET to 3:30 ET.

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 January 1, 2022:
6 Month Rate: 0.45% / APY*: 0.45%
12 Month Rate: 0.55% / APY*: 0.55%
24 Month Rate: 0.55% / APY*: 0.55%
36 Month Rate: 0.70% / APY*: 0.70%
48 Month Rate: 0.70% / APY*: 0.70%
60 Month Rate: 0.90% / APY*: 0.90%
72 Month Rate: 0.90% / APY*: 0.90%
84 Month Rate: 0.90% / APY*: 0.90%
*Annual Percentage Yield

Open a term share certificate today!  Complete this form and email to help@frbfcu.org