Certificates of Deposit

APR = Annual Percentage Rate. APR is the annual rate of interest that is paid on an investment, without taking into account the compounding interest within that year. Rates are subject to change at anytime.

† Not available for IRA certificates

APY = Annual Percentage Yield. Rates current as of May 01, 2021 and subject to change. Rates are based on a minimum deposit of $1,000, except Fifth Third, which is based on a minimum deposit of $500. Rate survey taken from www.bankofamerica.com, www.chase.com and www.53.com. †Not available for IRA Certificates. *APY = Annual Percentage Yield. Rates current as of May 01, 2021. APY is the annualized rate based on a compounding period of one year. When the deposited money earns interest and the accumulated interest starts earning interest as well, we are talking about compounding. All rates except certificate rates are subject to change retroactively to the beginning of the month, as determined at the monthly Board of Directors meeting. Certificate rates subject to change at any time and are subject to substantial penalties for early withdrawal. Extra bonus rates apply only to certificate accounts. Direct Deposit (DDEP) Bonus For Regular Terms Share Certificates 36 months and longer & IRA Certificates 36 months and longer: Certificate account holders can get an additional 0.25% if they have DDEP going into their FIGFCU Checking Account (either High Yield or CashBack) in the amount of $1,000.00 or more monthly in the amount of $1,000.00 or more monthly (Members paid bi-monthly can have DDEP deposits of $500 each to reach the $1,000 monthly minimum). Rate bonus will be applied upfront after account opening. If a qualifying DDEP cannot be verified at time of account opening, the first succeeding DDEP must be received within a maximum of 60 days from the date that the promotional account is opened. If a member has direct deposit under a different account number than the account that is being used to open the new certificate, he/she can still qualify for the 0.25% bonus. If DDEP has not been received within the 60-day timeline the bonus will be forfeited, the rate will be reduced by 0.25%, and future earnings will be at the reduced rate. DDEP must be maintained for this bonus, and the bonus can be forfeited if DDEP is cancelled or falls below qualifying threshold during the term of the certificate. There will be no Rate Bonus on current certificates, however bonus can be added at time of renewal and during the grace period.

Limited Time Offer 3-Month Certificate / Rates are subject to change without notice. This is a promotional rate of 3.00% APY. Bonus Rate may not be combined with any other rate increase. Annual Percentage Yield (APY) is calculated on a 2.96% base rate, $10,000 minimum balance, regular share certificate requirement on a 365 day basis. IRA share certificates qualify for this promotion. Deposit must be new funds to the Credit Union and may not be transferred or withdrawn and deposited back into the Credit Union from any existing Credit Union account. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional certificate will automatically roll over to a regular 3-Month term certificate at maturity. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions *APY = Annual Percentage Yield. Yields are subject to change at anytime. Fees could reduce the earnings on an account.

Limited Time Offer 10-Month Certificate / Rates are subject to change without notice. This is a promotional rate of 4.00% APY. Bonus Rate may not be combined with any other rate increase/bonus. Annual Percentage Yield (APY) is calculated on a 3.93% base rate, $10,000.00 minimum balance, regular share certificate requirement on a 365 day basis. IRA share certificates qualify for this promotion. Deposit must be new funds to the Credit Union and may not be transferred or withdrawn and deposited back into the Credit Union from any existing Credit Union account. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of certificate funds. Fees and other conditions may reduce earnings. The 10-Month promotional certificate will automatically roll over to a regular 9-Month term certificate at maturity. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions - *APY = Annual Percentage Yield. Yields are subject to change at any time. Fees could reduce the earnings on an account.