Certificates

Certificate investments (which are similar to CDs) are the perfect solution for savers who are looking for great returns - without the risk. Certificates offer a guaranteed rate of return, provide higher dividends than traditional savings or money market accounts and are federally-insured by the NCUA.

REALTORS® FCU certificates can be opened online in just minutes with as little as $1,000. Our rates are competitive and consistently beat the "big banks" and the national average. Go ahead compare our rates! Standard, Jumbo and Super certificates are available (see rates tab below for details).

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Open a new Certificate Account

It's easy and safe to open a new Certificate Account online! Just log into Online Banking and click "Open New Account" from the "Accounts" tab. Please note that the combined maximum deposit amount is $99,000.00. Should you wish to open an account(s) with an aggregate balance exceeding $99,000 do not attempt to fund your account(s) online. To fund an account exceeding the daily maximum funding limit please contact 24-Hour Member Care at 866.295.6038.

Open a Certificate conveniently online
Upon maturity, you can choose to have your certificate automatically renew at the current market rate, have the funds deposited into your REALTORS® FCU savings or checking account or have funds sent to you by check.
Enjoy free 24-hour online account access via Online Banking
Receive convenient Electronic Statements available within Online Banking
24-hour access to Member Care Representatives at 866.295.6038
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States government

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3 and 6 Month Certificates¹05/27/2011
	Min. Balance Amount (to earn dividends)	Dividend Rate	Annual Percentage Yield (APY)	Min. Balance to Open
3-Month Certificate	$1,000 and up	0.25%	0.25%	$1,000.00
6-Month Certificate	$1,000 and up	0.349%	0.35%	$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.


12 and 24 Month Certificates¹05/27/2011
	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 Certificate	0.698%	0.70%	0.747%	0.75%	0.847%	0.85%
24-Month Certificate	0.946%	0.95%	0.995%	1.00%	1.095%	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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18 Month Certificate¹05/27/2011
	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 Certificate	0.747%	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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36 Month Certificate¹05/27/2011
	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 Certificate	1.194%	1.20%	1.243%	1.25%	1.292%	1.30%
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.


48 and 60 Month Certificates¹05/27/2011
	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 Certificate	1.490%	1.50%	1.539%	1.55%	1.638%	1.65%
60-Month Certificate	1.835%	1.85%	1.884%	1.90%	1.982%	2.00%
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.

It’s easy and safe to join online. Your membership is necessary prior to opening an account. Just click Membership to get started. During the new member application process, you can select the products you’re interested in. If you need assistance, please call a friendly Member Care Representative. We are here for you 24-hours a day at 866.295.6038.

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Certificates

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