Share Certificates

Security and earning power. You deserve nothing less.

To meet your personal investment needs, Focus offers a range of high-interest Share Certificates with varying rates and terms.

  • Earn market rates that are set monthly and vary by term
  • Share Certificates are available in terms of 6-48 months
  • Monthly dividends may be paid directly to you or reinvested for compounding and higher earnings
  • Borrow against 100% of Share Certificate funds on deposit at low loan rates
  • Your money is safe and secure because it is federally insured.
  • Early withdrawal penalties apply and vary by the length of the investment
  • $1,000 minimum to open ($500 minimum for minors)

*A penalty may be imposed for early withdrawal.

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Limited-Time Share Certificate Special

Looking to grow your savings faster? Don’t miss our special 7-month Share Certificate with a high-yield 4.30% APY. It’s the smart, secure way to earn more on your money- but hurry, this offer won’t last long!

Whether you’re saving for a future goal or seeking a better return, our short-term certificate offers the best of both worlds: strong growth and quick access.

Offer Details: 

  • New Money Only
  • $5,000 Minimum Deposit
  • 7-Month Terms
  • 4.30% APY*

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6mo Certificate

Dividend Rate:

3.200% APY

12mo Certificate

Dividend Rate:

3.440% APY

24mo Certificate

Dividend Rate:

2.956% APY

36mo Certificate

Dividend Rate:

2.810% APY

Focus FCU makes investing easy

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