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Share Certificate

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Open a Share Certificate Today

 

Special 18-Month Share Certificate Disclosure: *Annual Percentage Yield (APY) as of 03.1.25 and is subject to change at any time without prior notice. Promotion is for a limited time on a NEW 18 Month share certificates (Consumer and Business) with a $100,000 minimum deposit of new deposits. New Deposits are defined as funds not currently on deposit with Firstlight. Early withdrawal penalties apply and may reduce earnings on the account. Unless indicated otherwise, the certificate will be renewed at maturity to a like term, if available, or at the then current rate in effect. Other restrictions may apply. Membership eligibility requirements apply. Contact us or visit a branch for complete details and/or for other promotions available. Federally insured by NCUA.

Special 2 Year Changeable (Bump Up) Share Certificate: *Annual Percentage Yield (APY) as of 3.21.25 and is subject to change at any time without prior notice. Promotion is for a limited time on a NEW 2 Year Changeable (Bump Up) share certificate (Consumer and Business) with a $100,000 minimum deposit of new deposits. New Deposits are defined as funds not currently on deposit with Firstlight. Early withdrawal penalties apply and may reduce earnings on the account. Unless indicated otherwise, the certificate will be renewed at maturity to a like term, if available, or at the then current rate in effect. Other restrictions may apply. Membership eligibility requirements apply. Contact us or visit a branch for complete details and/or for other promotions available. Federally insured by NCUA.

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
Dream Builder Share Certificate**

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
2-Year Changeable***

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

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