Certificates
Great rates and promising returnsIt’s your Advantage
Secure Your Financial Future with a High-Yield Share Certificate
Looking for an investment option that not only guarantees a fixed rate of return but also offers an exciting opportunity to grow your savings? Our Certificates are the perfect choice for you! With a safe and stable investment option and a competitive interest rate, you can take control of your finances and watch your savings soar!
Lock in Your Rate & Watch Your Savings Grow
With a Certificate, your money grows at a higher rate, helping you achieve your savings goals faster.
Choose Your Term
We offer terms as short as 6 months and as long as 60 months to maximize your dividends.
Start Earning Fast
Deposit as little as $500 so you can start growing your savings right away.
Secure Your Savings
No matter what’s happening in the market, your savings are federally insured up to $250,000 by the NCUA.
Today’s Exceptional Rates
|
Term |
Dividend Rate |
Annual Percentage Yield (APY) |
|---|---|---|
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$500 Minimum balance to open for all shares except 40 Month ($5,000 Minimum). A penalty and/or account closure will be imposed for withdrawals before maturity. Fees may reduce earnings. For additional information on your account please refer to the Rate & Fee Schedule and/or Membership & Account Agreement. If you have any questions or require current rate information please call the Credit Union at 757-877-2444. Standard Certificates include: 12-month, 24-month, 36-month, 48-month, and 60-month terms. All other certificates are special. *Member has option to bump up rate one time during term. Effective Date: 4/14/2025. **6-month and 8-month terms are not available for IRA Certificates. ***To qualify for 8-month certificate rate of 4.15% APY, member must have direct deposit to any 1st Advantage checking account. If no direct deposit, rate is 3.65% APY. Additional offers may not be combined.
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Term 6 Month** |
Dividend Rate 1.195% |
Annual Percentage Yield (APY) 1.20% |
|
Term 8 Month*** |
Dividend Rate 4.087% |
Annual Percentage Yield (APY) 4.15% |
|
Term 11 Month |
Dividend Rate 3.113% |
Annual Percentage Yield (APY) 3.15% |
|
Term 12 Month |
Dividend Rate 0.996% |
Annual Percentage Yield (APY) 1.00% |
|
Term 24 Month |
Dividend Rate 2.722% |
Annual Percentage Yield (APY) 2.75% |
|
Term 36 Month |
Dividend Rate 2.722% |
Annual Percentage Yield (APY) 2.75% |
|
Term 40 Month* |
Dividend Rate 1.990% |
Annual Percentage Yield (APY) 2.00% |
|
Term 48 Month |
Dividend Rate 2.722% |
Annual Percentage Yield (APY) 2.75% |
|
Term 60 Month |
Dividend Rate 2.722% |
Annual Percentage Yield (APY) 2.75% |
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