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Farmers Insurance Federal Credit Union

Routing Number: 322077795

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Flex-Term Certificate

New, Longer Terms. Same 4.00% APY

Earn up to
4.00% APY*

A highly competitive yield.

You choose
the term

3 - 60 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 up to 4.00% APY, and you control the term. 

Capitalize on today’s competitive yields by opening a shorter term. Or lock in 4.00% APY for the long haul with a 1, 1½, 2, 3, 4, or 5-year term.

 

Flex-Term Certificate details:

  • Term options to choose from: 3, 6, 9, 12, 18, 24, 36, 48, or 60 months
  • Earn 3.80% APY on 3-, 6-, or 9-month terms (total dividends vary by term length)
  • Earn 4.00% APY on 12-, 18-, 24-, 36-, 48-, and 60-month terms (total dividends vary by term length)
  • $1,000 minimum to open, new funds to the Credit Union only
  • IRA share Certificates only available for the 12–60-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 or year after year depending on the term you choose. 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 08/05/2026 – Flex-Term Certificate APY ranges from 3.80% to 4.00%  depending on term: 3, 6, and 9 months: 3.80% APY; 12, 18, 24, 36, 48, and 60 months: 4.00%  APY. Offer effective as of 08/05/2026 and subject to change or end without notice. Offer valid on new money only (funds not currently on deposit with the Credit Union). A $1,000 minimum deposit is required to open and earn APY. Annual Percentage Yield (APY) assumes dividends remain on deposit until maturity. Dividends are compounded monthly and credited at maturity. IRA Certificates are available for the 12 – 60-month terms only. No additional deposits are allowed during the term. An early withdrawal penalty may apply. Refer to the Truth in Savings Disclosure for details. Fees may reduce earnings. Refer to our Fee Schedule for details. At maturity, the certificate will automatically renew for the same term at the rate in effect at that time unless the member provides instructions otherwise.

*APY = Annual Percentage Yield. Yields are subject to change at any time. Early withdrawal penalty and fees could reduce the earnings on an account. Membership eligibility required. Terms and conditions apply. Equal Housing Lender.

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