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Share Certificates*

A guaranteed investment that puts you in control. They offer a low-risk, convenient way to save for a goal, project, emergency fund or simply plan for the future.  With as little as $500, a Share Certificate can guarantee a return on your money and lets you choose the term.  

• Open your account with as little as $500
• Choose terms from 3 months to 5 years - the longer the term, the higher the payout
• Earn monthly dividends
• Save time with automatic renewal
• Use your Share Certificate as collateral for a secured loan

Save gradually and guarantee your investment. 

• Start with an initial deposit as little as $5
• Choose your term from 1 year to 3 years
• Schedule contributions that you’re comfortable with

Concerned about locking in your rate? Get a 2-Year Changeable Share Certificate.

• Minimum $2,500 deposit
• Available for a 2 year term
• Bump up your rate one time during the 2 year term

*FirstLight Federal Credit Union reserves the right to end or modify a special/promotional rate at any time.  Penalties apply for early withdrawal from certificates.  Unless you indicate otherwise, the certificate will be renewed at maturity at a like term, if available, or at the then-current rate in effect.  Other restrictions may apply.

**Dream Builders Share Certificate require monthly deposits or periodic payments and are not available for Business Accounts.

***For Bump Up/Changeable Share Certificates: Rate may be changed one time during the term to the existing rate at member’s written request. Fees could reduce earnings. Unless you indicate otherwise, the bump up/changeable certificate will be renewed at maturity at a like term, if available, or at the then-current rate in effect. Visit a branch for complete details.

FEDERALLY INSURED BY NCUA