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Farmers Insurance Federal Credit Union

Routing Number: 322077795

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Flex-Term Certificate

Lock In 4.25% APY

Earn
4.25% APY*

A highly competitive yield.

You choose
the term

3, 6, 9, or 12 months.

$1,000
minimum deposit

No maximum amount.

Open Account

Are interest rates going to go up or down? Our new Flex-Term Certificate prepares you for either scenario. You get very competitive earnings of 4.25% APY, and you control the term. 

Capitalize on today’s high 4.25% APY by opening a shorter term. Or beat the market by locking in it's impressive yield for a longer term.  

 

Flex-Term Certificate details:

  • One rate across all terms: 4.25% APY* (total dividends vary by term length)
  • Term options to choose from: 3, 6, 9, or 12 months
  • $1,000 minimum to open, new funds to the Credit Union only
  • IRA share Certificates only available for the 12 month term for this promotion
  • Limited-time offer. Promotion may end without notice.
  • At maturity the Flex-Term Certificate will automatically renew into a new Flex-Term Certificate of the same term at the Flex-Term rate in effect on the maturity date.

No matter which term you choose, you get an impressive yield month after month after month. With control, high earnings, and safety combined in one Certificate, you’re ready for the future, no matter what it brings.

The Flex-Term Certificate is just one more way we’re here for you. But remember: this offer is available for a limited time. So don’t wait!

Open Account

 

Promotion Effective 02/01/2026 Flex-Term Certificate 4.25% APY. Limited Time Offer Flex-Term Certificate available on new Certificates the following terms are available: 3 months, 6 months, 9 months, 12 months. Yields are subject to change without notice. This is a promotional yield of 4.25% APY. “Flex Term” Bonus Dividend may not be combined with any other dividend increase/bonus; i.e. “Direct Deposit Bonus” and “Jumbo Certificate” increased rates. Annual Percentage Yield (APY) is calculated on a 4.17% base rate, $1,000 minimum balance, regular share Certificate requirement on a 365 day basis compounding monthly or at account closure. IRA share Certificates only available for the 12 month term 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 Deposit must be new funds to the Credit Union and may not be transferred or withdrawn and deposited back into the Credit Union from any existing Credit Union account.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. Unless the Member informs the Credit Union otherwise, at maturity the Flex-Term Certificate will automatically renew into a new Flex-Term Certificate of the same term at the Flex-Term rate in effect on the maturity date. 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. Early withdrawal penalty and fees could reduce the earnings on an account.

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