Share certificates (CDs)

Whether you’re saving extra for retirement or just building a nest egg for future expenses, The Finest Federal Credit Union can help you with your savings goals. Share certificates (CDs) are a safe, flexible option for longer term savings. Share certificates offer dividends at higher rates than regular savings accounts, and you can choose the term that best suites your needs. Share certificates, excluding IRAs, are federally insured up to $250,000 by the National Credit Union Administration (NCUA).

  • $500 minimum deposit
  • Choose your maturity date based on what works for your financial situation
  • Fixed rate
  • Dividends compound daily
  • Automatically renews upon maturity or you can choose to transfer the funds into an IRA or similar account type


  • Savings
  • Traditional IRA
  • Roth IRA

To purchase a new Share Certificate, complete this form with the purchase amount, term and
dividend payment option below. Upon maturity your certificate will automatically renew for an
additional term at the rates in effect at the time of maturity. There is a seven (7) business day grace period.

Member Name(Required)
RATES EFFECTIVE JULY 2022. Dividends are paid monthly on all CDs.
The minimum deposit requirement to purchase a certificate is $500.00. The Penalty for early withdrawal in whole or part is 90 days of simple interest at the certificate rate.
Dividend Options(Required)
Upon Maturity(Required)
MM slash DD slash YYYY