Start Saving Now
With A Certificate

*APY = Annual Percentage Yield. Certificate term is 7 months and will automatically renew to a 6-month certificate at the posted rate at the time of renewal. $5,000 minimum balance is required with no maximum. Certificate is for new money to Flagler Credit Union only. .25% APY bonus when you open a new Boost Checking and have a direct deposit of $900 or more within 90 days of certificate opening. .25% APY bonus when you open a new Flagler Credit Union Visa credit card within 90 days of certificate opening. Maximum APY of 4.75%. APY bonuses are retroactive to the first day of the dividend posting period when each qualifying condition is met and verified. The APY assumes dividends remain on deposit until maturity. A withdrawal will reduce earnings. Certificate is subject to penalty for early withdrawal. Consumer certificates only. Limited time offer. INSURED BY NCUA

Banking for Everyone!

Flagler Credit Union offers certificate with many rates and flexibilities. Start earning more now and easily apply online.

QUESTIONS YOU MAY HAVE

ABOUT CERTIFICATES

What is a share certificate?

A share certificate is an insured savings account with a fixed dividend rate and a fixed date of maturity. The dividend rates of these accounts tend to be higher than those on savings accounts and there is generally no monthly fee to keep the certificate open. Aside from the higher dividend rate, share certificates differ from savings accounts in the more limited accessibility of the funds within the account. A typical certificate will not allow you to add any money to the certificate after you’ve made your initial deposit. You also won’t be able to withdraw your funds before the maturity date without paying a penalty.

What are terms and conditions of certificates?

You’ll need to meet some basic requirements before you can open a certificate including a minimum opening balance and a commitment to keep your money in the account for a set amount of time. The minimum amount of funds you’ll need to deposit to open a certificate will vary in each financial institution. It also depends upon the term you choose. Some institutions will accept an initial deposit as low as $50 for a certificate. Others, such as a “jumbo” certificate, will require an opening balance of $100,000 or more. In general, the more money you invest in a certificate, the higher rate of interest it will earn. Certificate term lengths also vary among financial institutions, with most offering a choice of certificates that run from three months to five years. Typically, certificates with longer maturity terms will earn a higher rate.

Why keep your money in a certificate?

Here are some of the reasons people choose to open a certificate:

Low risk. With each certificate insured by the National Credit Union Administration up to $250,000, you can rest easy, knowing your money is completely secure.

Higher dividend rates. Certificates offer all the security of savings accounts with higher yields.

Locked-in rates. There’s no stressing over fluctuating national interest rates with a certificate. The APY is set when you open the account and is locked in until its maturity date. This means you can calculate exactly how much interest your money will earn over the life of the certificate the day you open it.

Is a share certificate for everyone?

While keeping your savings in a certificate can be an excellent option for your money, it is not for everyone. Before you move forward with opening a certificate, be sure you won’t need to access the funds before the certificate’s maturity date. It’s best to have a separate emergency fund set aside to help you through an unexpected expense.

AMP Up Your Certificate

No matter what your savings goal, an AMP Certificate can help you save. If you are saving money for a vacation, a down payment for a new car, or even a new computer, you can open an AMP Certificate and add money to your account as you go. It will help you AMP up your savings! Open a 3 -to- 60-month term certificate today with as little as $100.

GET STARTED TODAY

Our team is ready to support you at any one of our branches or you can call us at 800.521.3796.

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LET’S CHAT

If you have questions or want to learn more about certificates, simply fill out the form below and someone will get in touch with you to help and can get you started.

Earn Up To $700 Per Year!

You can earn even more when you open a Boost Checking account. Boost is a high-rate checking account that allows you to earn 7.00% APY* on balances up to $10,000.

That’s up to an extra $700 back in your pocket annually!

LEARN MORE

Earn Even More Cash Back With A VISA Signature Card

When you open a VISA Signature Card, you can earn 2% cashback on every dollar you spend. Plus, when you pair a Signature Card with your Boost Checking, your transactions help you qualify for the high rate on your checking. It’s the best of both worlds!