Certificate Accounts

A smart way to save.

See all Certificate rates

Is a Certificate right for you?

A FourLeaf Certificate Account is designed to increase your savings in a secure and predictable way. With a fixed dividend rate for the term of the product, a Certificate Account grows dependably with steady dividends.

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Save with confidence - deposits are federally insured by the NCUA up to $250,000.[3]
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Start with as little as $50.
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Certificate will automatically renew at maturity with no action required by you.

Featured Certificate Rates

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Featured Rate
6 Month Certificate

2.25% APY[1]

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Featured Rate
11 Month Certificate

2.25% APY[1]

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All Certificate Rates

 

Certificate Term APY[1]
3 Month 1.25%
6 Month 2.25%
9 Month 2.25% Open Now
10 Month 4.00% Open Now
11 Month 2.25% Open Now
12 Month 2.25%
18 Month 1.75%
24 Month 1.75%
30 Month 1.75%
36 Month 2.75%
39 Month Bump-Up[2] 2.75%
48 Month 1.75%
60 Month 1.75%
View our full rates chart
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[1] APY = Annual Percentage Yield. APY is accurate as of and subject to change. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings.
Penalties may be imposed for early withdrawal. $50 minimum balance to earn APY and to open account. Fees may reduce earnings.

Certificate Account FAQs

To open a FourLeaf Certificate Account, stop by your local branch or visit our Open an Account webpage. If you are not a current member, you will need to establish membership with FourLeaf by opening a $5 Savings account prior to opening a Certificate Account.

The minimum deposit needed to open a FourLeaf Certificate Account is $50.00.

Certificates of Deposit are mainly offered by banks, whereas Share Certificates (or Certificate Accounts) are offered by federal credit unions like FourLeaf. Another difference is that while Certificates of Deposits earn interest, Share Certificates earn dividends. Lastly is the insurance tied to each of these types of savings; a Certificate of Deposit from a bank is insured by the Federal Deposit Insurance Company (FDIC), while a Share Certificate from a federal credit union is insured by the National Credit Union Administration (NCUA).

When a Certificate matures, it will automatically renew for the same term as the original term, with the exception of the 39 Month Bump-Up Certificate and Guaranteed Certificate Portfolio Certificate. You will have a grace period of seven (7) calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty or to change the renewal term of the Certificate.

Yes, there is a penalty for early withdrawal of Certificates. If you withdraw funds from a Certificate before the maturity date, you may incur early withdrawal penalties. Twelve (12) month or shorter-term Certificates will incur a penalty equal to ninety (90) days dividends on the principal amount withdrawn.

Certificate terms greater than twelve (12) months will incur a penalty equal to one hundred eighty (180) days dividends on the principal amount withdrawn.

FourLeaf’s 39 Month Bump-Up Certificate has a 39-month term and includes an option that allows you to increase (“Bump-Up”) the dividend rate once during the term to the current dividend rate in effect for a 36 Month Certificate. At the end of the 39 Month Bump-Up maturity term, whether or not you elected the Bump-Up option, your Certificate will automatically renew for a term of thirty-six (36) months, at the prevailing rate in effect for a 36 Month Certificate with no “Bump-up” (increase) feature.

Why FourLeaf?

We’re a credit union, not a bank. That means your needs come first, not shareholders, because there are none.
We invest back in you by delivering competitive rates and fees.

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470,000+ members
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High member satisfaction ratings - 91% in 2024 [4]
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16th largest credit union in the nation[5]

Important Information

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[1] APY = Annual Percentage Yield. APY is accurate as of and subject to change. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings. Penalties may be imposed for early withdrawal. $50 minimum balance to earn APY and to open account. Fees may reduce earnings.

[2] 39-Month Bump Up Certificate - The bump-up certificate has a 39-month term and includes an option that allows you to increase or "bump-up" the dividend rate once during the term to the current dividend rate in effect for a 36-month certificate. At the end of the 39-month bump up maturity term, whether or not you elected the bump-up option, your certificate will automatically renew for a term of 36 months at the prevailing rate in effect for a 36 month certificate with no "bump up" (increase) feature.

[3] The National Credit Union Administration (NCUA) share insurance coverage of $250,000 applies to each share owner, per insured credit union, for each ownership category. For more details and to learn more about NCUA share insurance visit www.ncua.gov.

[4] Source: Medallia Survey Program. Data received from 39,484 member surveys from 1/1/2024 through 12/31/2024.

[5] Source: Callahan & Associates, Inc. Data based on total assets as of 12/21/2024.