All Branches are closed today, Monday, May 25 2020, for Memorial Day. Due to COVID-19, we are temporarily closing our lobbies. Learn more by clicking here.

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:

0.90% APY

12mo Certificate

Dividend Rate:

1.05% APY

24mo Certificate

Dividend Rate:

1.19% APY

36mo Certificate

Dividend Rate:

1.34% APY

Focus FCU makes investing easy

Become a Member