Certificates & Savings

Table data for Certificate Specials
As of Feb. 1, 2023
Term	Dividend Rate	APY ¹
15 Months ²	4.12%	4.20%

27 Months ³	3.93%	4.00%

Table data for Certificate Rates
As of Feb. 1, 2023
Term	Dividend Rate	APY ¹
3 Months	1.24%	1.25%

6 Months	1.74%	1.75%

9 Months	1.98%	2.00%

12 Months	2.23%	2.25%

18 Months	2.47%	2.50%

24 Months	2.72%	2.75%

36 Months	2.96%	3.00%

48 Months	3.20%	3.25%

60 Months	3.45%	3.51%

Table data for Money Market Account Rates
As of Feb. 1, 2023
Type	Balance	Dividend Rate	APY ¹
Money Market/Money Market IRA	Less than $10,000	0.50%	0.50%

	$10,000 - $24,999.99	0.50%	0.50%

	$25,000 - $49,999.99	0.50%	0.50%

	$50,000 - $99,999.99	1.00%	1.00%

	$100,000 - $249,999.99	1.00%	1.00%

	$250,000 - $499,999.99	1.00%	1.00%

	$500,000 - $999,999.99	1.00%	1.00%

	Greater than $1,000,000	1.00%	1.00%

Table data for Savings Account Rates
As of Feb. 1, 2023
Type	Minimum Balance	Dividend Rate	APY ¹
Savings	$5	0.01%	0.01%

Club Account	None	0.01%	0.01%

IRA Savings	None	0.01%	0.01%

Health Savings	$10,000 or greater	0.02%	0.02%

	$1,500 - $9,999.99	0.01%	0.01%

	Less than $1,500	0.01%	0.01%

Disclosures

¹ APY = Annual Percentage Yield

² 15 Month Certificate will automatically renew to a 12 Month Certificate at the current rate in effect at the time of maturity. A penalty will be applied for early withdrawal. $500 minimum balance to open. Insured by NCUA. Limited time offer; terms and conditions are subject to modification at any time with or without notice. New money only. New money is defined as funds that are not already on deposit at FCFCU or funds that have been on deposit at FCFCU less than 45 calendar days.

³ 27 Month Certificate will automatically renew to an 24 Month Certificate at the current rate in effect at the time of maturity. A penalty will be applied for early withdrawal. $500 minimum balance to open. Insured by NCUA. Limited time offer; terms and conditions are subject to modification at any time with or without notice.