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  • Share Certificates

    Security and earning power. You deserve nothing less.

    To fit your personal investment needs, Focus offers many 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 from 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)

    6mo Certificate

    Dividend Rate:

    1.29% APY

    12mo Certificate

    Dividend Rate:

    1.54% APY

    24mo Certificate

    Dividend Rate:

    1.79% APY

    36mo Certificate

    Dividend Rate:

    2.23% APY

    Focus FCU makes investing easy

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