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Share Certificates
Grow your savings by earning more.
Make your money work for you.
Have some extra savings and want to earn higher dividends?
Consider a share certificate. Share certificates are a savings option designed to grow your money by a higher dividend (interest earned) than regular savings account.
There are no unknowns when you invest in a Share Certificate. You pick the deposit amount and the term. If you don’t withdraw the funds before the maturity date, you’ll be able to calculate your dividends right from the start. As they say—it’s a sure thing. And with terms between 6 months and five years, you have a wide range of options.
Ready to apply?
Log into your account and leave a message, call 800-228-8513 or 901-344-2500, or visit your local branch.
Rates Updated: Sept. 19, 2024
Rates are subject to change without notice
| Share Certificate* | ||
|---|---|---|
| Term | Annual Percentage Yield | |
| Under $50,000 (Dividends Paid at Maturity) | 6 months | 4.00% |
| 12 months | 4.00% | |
| 24 months | 3.50% | |
| 36 months | 3.25% | |
| 48 months | 3.00% | |
| | 60 months | 2.75% |
| $50,000 & up (Dividends Paid Monthly) | 6 months | 4.00% |
| 12 months | 4.00% | |
| 24 months | 3.50% | |
| 36 months | 3.25% | |
| 48 months | 3.00% | |
| 60 months | 2.75% | |
*APY=Annual Percentage Yield. Rates are subject to change without notice. No maximum deposit limit. A penalty will or may be imposed for early withdrawal. Restrictions apply. FECA membership is required. Federally insured by NCUA.
Make your money work for you.
Ready to apply? Login to your account and leave us a message or visit your local branch.
Benefits of Share Certificates
Flexible Terms
FECA offers share certificates with various terms to choose from. Share certificates with longer terms usually offer higher dividend rates.
Higher Interest Rates
Share certificates usually have higher interest rates than other savings options—like savings or money market accounts. We offer a higher rate because you agree to leave your money invested until the maturity date.
Guaranteed return
Typically, there’s no such thing as a sure thing. Share Certificates are as close as you can get. There are no unknowns when you invest in a Share Certificate. You pick the deposit amount, decide the term, and the rate is fixed upon the time of opening. As long as you don’t withdraw the funds early, you’ll know how much you’ll earn upon maturity.