Share Certificates

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

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Security and earning power. You deserve nothing less.

  • 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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6mo Certificate

Dividend Rate: 3.200%

3.250% APY

12mo Certificate

Dividend Rate: 3.922%

4.000% APY

24mo Certificate

Dividend Rate: 2.596%

3.000% APY

36mo Certificate

Dividend Rate: 2.810%

2.850% APY

48mo Certificate

Dividend Rate: 2.810%

2.850% APY

See All Rates

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