High yields and low maintenance make Share Certificates ideal
Your patience pays off when you invest in one of our Share Certificates that promise to deliver returns without the risk. They're perfect for rounding out your savings strategy with predictability because your money is guaranteed to grow at a fixed yield for the full term. By the time your Share Certificate matures, you'll know exactly how much money you'll have available, which helps you plan with certainty.
- Choose from a variety of terms and minimum deposits to fit your goals
- Share Certificates offer higher interest rates for everyday saving and retirement planning
When your Share Certificate matures, you can cash out or reinvest for more growth
Say aloha to higher yields!
Introduce your money to our Aloha Share Certificate and be greeted with a whole lot of savings growth. Open this Share Certificate with funds from non-First Financial sources (outside bank accounts). After that, your savings will take off effortlessly.
| Term | Sample Deposit (New Money Only) |
APY* | Potential Earnings |
|---|---|---|---|
|
6 Months ($2,500 minimum deposit) |
$10,000 |
3.95% |
$195.59 |
|
6 Months ($5,000 minimum deposit) |
$5,000 |
4.00% |
$99.02 |
|
12 Months ($2,500 minimum deposit) |
$10,000 |
3.80% |
$380.00 |
|
12 Months ($5,000 minimum deposit) |
$5,000 |
3.85% |
$192.50 |
*APY = Annual Percentage Yield. Requirements for opening an Aloha Share Certificate are new money only and an active Checking account with Online Banking. Minimum opening deposit to obtain APY is required for each certificate type. Rates are subject to change without notice. Early withdrawal penalties may apply. Earnings may be reduced if fees are incurred. Other terms and conditions may apply. Call for complete details.
Manage your money wherever you are.
Our mobile banking app gives you 24/7 access to your account, letting you manage your money anytime, anywhere.
Relationships grow, yields multiply
The more eligible relationships you have with us, the more you can boost your savings with our Relationship Share Certificate. Consider this our way of thanking you for your loyalty. Yields are based on the eligible products you have with us:
- Active Visa Debit Card
- Auto Loan
- Individual Retirement Account (IRA)
- SuperSavers
- Visa Platinum
- Real Estate Loan
Potential Earnings on a 12-Month Share Certificate:
|
12-Month Term |
Sample Deposit |
APY** |
Potential Earnings |
|
Base |
$10,000 |
3.45% |
$350.00 |
|
Plus 1 relationship product |
$10,000 |
3.50% |
$355.00 |
|
Plus 2 relationship products |
$10,000 |
3.55% |
$360.00 |
|
Plus 3 relationship products |
$10,000 |
3.60% |
$365.00 |
|
Plus 4 relationship products |
$10,000 |
3.75% |
$380.00 |
**APY = Annual Percentage Yield. A minimum of $500 opening deposit is required for a Relationship Share Certificate. You must have a FFCU Checking Account and Online Banking to be eligible to open a Relationship Share Certificate account and to earn additional dividends from other relationship/qualifying FFCU services. Certain qualifying services will only count as one service each from the following categories, regardless of the number of these services that you have: active debit cards, credit cards, SuperSavers, IRAs, Auto Loans, and Real Estate Loans. Regulations prohibit paying dividends in excess of available earnings. Note: Dividend yield will be increased for a maximum of 4 elective products/services, any additional electives will not result in further increases. In addition, the elective products/services must be under the same account number as your Relationship Share Certificate account. Refer to your Truth-in-Savings Agreement or call for complete details. Early withdrawal penalties may apply. Earnings may be reduced if fees incurred. Other terms, conditions and restrictions may apply.
