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Share Certificates

Open with as little as $1,000 and choose a term of 6 to 48 months

Is your goal to save money and earn more? If so, a share certificate might be for you! Whether you are saving for college, transferring investments, or making a major purchase, you can rest assured your money is safe.

In contrast to stocks and bonds, certificate dividend rates do not fluctuate with market conditions. So you can rest assured your money is safe. At FirstCCU, you can open a share certificate with just a $1,000 deposit.  You can choose to have your dividends compound monthly or you can have them transferred in to your FirstCCU savings or checking account each month. Federally insured by the NCUA.

New Money Share Certificate Specials


Current Share Certificate Rates

Term Dividend Rate APY*
6 months .20% .20%
9 months .25% .25%
12 months .40% .40%
18 months .50% .50%
24 months .70% .70%
36 months .75% .75%
48 months .75% .75%

*Annual Percentage Yield. The minimum balance to open and earn the stated APY is $1,000. Fees may reduce earnings. Refer to Truth-in-Savings disclosure for details.

The Annual Percentage Yield (APY) is accurate as of March 5, 2020.

How to Open Your Account

We make it easy.
To qualify for membership you just have to live or work in Southern Wisconsin or Northern Illinois. Note that to become a member of the credit union you will need to open a $5.00 Primary Savings (share) account.


Or just stop into any branch location with a current State-Issued Picture ID or Matricula Consular.  

Find Your Nearest Location

Your Insured Funds

Your savings are federally insured through the National Credit Union Administration (NCUA) to at least $250,000 and backed by the full faith and credit of the United States Government. 

Click here for the Share Insurance Estimator to learn how share insurance rules apply to your accounts—what's insured and what portion (if any) exceeds coverage limits.

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Open an account, apply for a loan or credit card today!

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Take advantage of our low introductory rate of 3.99% APR for 12 months plus no balance transfer fees!

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Download the FirstCCU Mobile App to access your account 24/7!