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Certificates

Certificate Investments (which are similar to CDs) are the ideal solution for any business that is looking for a guaranteed return and doesn't require liquidity. A Certificate lets you earn stable and secure returns on your investment while being insured by the NCUA up to $250,000. With REALTORS® FCU you'll know that your money is safe, sound and secure.

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To fund your Certificate Account you can perform an electronic transfer, mail a check or conduct a wire transfer. Please read the instructions carefully and fill out the Business Deposit Request Form to fund your account. If you are not yet a member, go to Membership Application to find out how to become a member.

To service an existing  Business Certificate account visit the Forms page and choose the appropriate business form.

  • Enjoy industry leading dividend rates
  • Peace of mind that your are safely growing your investment
  • Your savings are federally insured up to $250,000 by the NCUA and backed by the full faith and credit of the United States government
  • Access to the Business Services department Monday-Friday 8:30am-5:00pm EST at 301.355.7575
REALTORS® FCU prides itself on the high rates it's able to provide to its members. REALTORS® FCU's rates often beat some of the top banks and are generally above the industry average. Go ahead, compare our rates.
3 and 6 Month Certificates103/01/2012
Min. Balance Amount (to earn dividends) Dividend Rate Annual Percentage Yield (APY) Min. Balance to Open
3-Month Certificate$1,000 and up0.20%0.20%$1,000.00
6-Month Certificate$1,000 and up0.30%0.30%$1,000.00
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
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12 and 24 Month Certificates103/01/2012
  Standard: $1,000 - $98,999.99 Jumbo: $99,000 - $249,999.99 Super: $250,000 and up
Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY)
One Year Certificate0.598%0.60%0.648%0.65%0.747%0.75%
24-Month Certificate0.747%0.75%0.797%0.80%0.896%0.90%
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
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18 Month Certificate103/01/2012
  Standard: $1,000 - $98,999.99 Jumbo: $99,000 - $249,999.99 Super: $250,000 and up
Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY)
18-Month Certificate0.598%0.60%0.648%0.65%0.747%0.75%
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
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36 Month Certificate103/01/2012
  Standard: $5,000 - $98,999.99 Jumbo: $99,000 - $249,999.99 Super: $250,000 and up
Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY)
36-Month Certificate0.995%1.00%1.045%1.05%1.094%1.10%
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
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48 and 60 Month Certificates103/01/2012
  Standard: $10,000 - $98,999.99 Jumbo: $99,000 - $249,999.99 Super: $250,000 and up
Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY) Dividend Rate Annual Percentage Yield (APY)
48-Month Certificate1.193%1.20%1.242%1.25%1.341%1.35%
60-Month Certificate1.341%1.35%1.390%1.40%1.440%1.45%
1All rates, terms and conditions are subject to change without notice. Maintenance or activity fees associated with an account type could reduce earnings. A penalty may be imposed for early withdrawal. Refer to Disclosures for complete details.
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Joining is easy. To get started, print and fill out the Business Member Application forms. Need help? Contact a Business Services representative M-F 8:30am-5:00pm EST (excluding federal holidays) at BusinessServices@REALTORSFCU.ORG.