Certificates
Grow with intention.
A fixed path to forward momentum.
Sometimes the bold move is the steady one. Certificates offer a fixed rate for a fixed term, giving your savings predictable growth you can count on. Choose the timeline that fits your goals and let your money grow with confidence.
Certificate Special Rates
Get to know your Certificate.
Start with $500
Open a certificate with as little as $500 and begin earning right away.
Flexible terms, clear timelines
Choose from 3 to 60 months. Short, steady, or long-term growth.
Earn more with laddering
Consider laddering—splitting your deposit across short- and long-term certificates—to balance access and earnings.
Guaranteed Return
Your funds are federally insured up to $250,000 by the National Credit Union Administration (NCUA). Learn more at MyCreditUnion.gov.
Dividends your way
You have the flexibility to reinvest your earned monthly dividends or transfer them to another account of your choice.
See our Certificate rates.
|
Term |
Minimum Balance |
APY* |
Rate |
|---|---|---|---|
|
*Annual Percentage Yield (APYs), terms, offers effective November 12, 2026 and subject to change. Withdrawals will reduce earnings. Certificates: Penalty for early withdrawal. Certificate Special: Certain restrictions apply. APYs assume principal and dividends remain on deposit to maturity. Penalty for early withdrawal. Withdrawals will reduce earnings. Special certificates mature as standard rate certificates. |
|||
|
Term 3, 6, 9 or 12 months |
Minimum Balance $500 |
APY* 4.00% |
Rate 3.928% |
|
Share & IRA |
$500 Minimum Balance |
$10,000 Minimum Balance |
$50,000 Minimum Balance |
$100,000 Minimum Balance |
||||
|---|---|---|---|---|---|---|---|---|
|
*Annual Percentage Yield (APYs), terms, offers effective November 12, 2026 and subject to change. Withdrawals will reduce earnings. Certificates: Penalty for early withdrawal. |
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|
Share & IRA Term |
$500 Minimum Balance APR* |
Rate |
$10,000 Minimum Balance APR |
Rate |
$50,000 Minimum Balance APR |
Rate |
$100,000 Minimum Balance APR |
Rate |
|
Share & IRA 3 months |
$500 Minimum Balance 2.90% |
2.862% |
$10,000 Minimum Balance 2.90% |
2.862% |
$50,000 Minimum Balance 2.90% |
2.862% |
$100,000 Minimum Balance 2.90% |
2.862% |
|
Share & IRA 6 months |
$500 Minimum Balance 2.95% |
2.911% |
$10,000 Minimum Balance 3.00% |
2.960% |
$50,000 Minimum Balance 3.00% |
2.960% |
$100,000 Minimum Balance 3.00% |
2.960% |
|
Share & IRA 9 months |
$500 Minimum Balance 3.05% |
3.008% |
$10,000 Minimum Balance 3.10% |
3.057% |
$50,000 Minimum Balance 3.10% |
3.057% |
$100,000 Minimum Balance 3.10% |
3.057% |
|
Share & IRA 12 months |
$500 Minimum Balance 3.10% |
3.057% |
$10,000 Minimum Balance 3.15% |
3.105% |
$50,000 Minimum Balance 3.15% |
3.105% |
$100,000 Minimum Balance 3.20% |
3.154% |
|
Share & IRA 18 months |
$500 Minimum Balance 3.10% |
3.057% |
$10,000 Minimum Balance 3.15% |
3.105% |
$50,000 Minimum Balance 3.15% |
3.105% |
$100,000 Minimum Balance 3.20% |
3.154% |
|
Share & IRA 24 months |
$500 Minimum Balance 3.15% |
3.105% |
$10,000 Minimum Balance 3.25% |
3.203% |
$50,000 Minimum Balance 3.25% |
3.203% |
$100,000 Minimum Balance 3.30% |
3.251% |
|
Share & IRA 36 months |
$500 Minimum Balance 3.30% |
3.251% |
$10,000 Minimum Balance 3.30% |
3.251% |
$50,000 Minimum Balance 3.30% |
3.251% |
$100,000 Minimum Balance 3.40% |
3.348% |
|
Share & IRA 48 months |
$500 Minimum Balance 3.35% |
3.300% |
$10,000 Minimum Balance 3.40% |
3.348% |
$50,000 Minimum Balance 3.40% |
3.348% |
$100,000 Minimum Balance 3.50% |
3.445% |
|
Share & IRA 60 months |
$500 Minimum Balance 3.50% |
3.445% |
$10,000 Minimum Balance 3.55% |
3.497% |
$50,000 Minimum Balance 3.55% |
3.497% |
$100,000 Minimum Balance 3.60% |
3.545% |
Calculate your savings
Lindsey MI love a good credit union, and First US is the best in Auburn, in my opinion. The other credit unions in the area is too “corporate” for my liking now. The people at First US go above and beyond, it has a very personal, small town bank feel. As long as I live in this area, I’ll be with First US….
Experience steady returns.
Visit one of our branches to open a certificate. We’re right around your corner.