
Certificates
Enjoy smart savings with steady growth.
Superior savings on your schedule
Our Certificates let you set your amount and pick your time period for bigger and better savings.
Low Minimum Deposit
Get started on saving with as little as $1,000.
Guaranteed Rate of Return
Save with confidence and on your own timeline.
No Monthly & Maintenance Fees
Keep more of your money — our certificates have no monthly fees.
Rates
Term |
Dividend Rate |
APY* |
---|---|---|
*APY= Annual Percentage Yield. Last Dividend Declaration Date for Certificates: February 1, 2025. Minimum deposit to open a certificate is $1,000.00. Fees may reduce earnings. A penalty may be imposed for early withdrawal. |
||
Term 6 Months |
Dividend Rate 3.45% |
APY* 3.50% |
Term 12 Months |
Dividend Rate 3.45% |
APY* 3.50% |
Term 24 Months |
Dividend Rate 3.69% |
APY* 3.75% |
Term 36 Months |
Dividend Rate 3.45% |
APY* 3.50% |
Term 48 Months |
Dividend Rate 3.20% |
APY* 3.25% |
Term 60 Months |
Dividend Rate 3.20% |
APY* 3.25% |
Run Your Numbers
Run your numbers to learn how much money you can earn on your certificate.
Open a Certificate today
Call Federal is here to help. Reach out to us today for more information and assistance.