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Grow Your Money Safely With This Great Offer.

5.10% APY On A 13-Month Term1

Take advantage of this great Term Savings Certificate offer!

As a valued member of First Entertainment, you can earn an impressive 5.10% APY on a 13-month Term Savings Certificate!1

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Make the most of your money

Our Term Savings Certificates offer great rates that can lead to big returns compared to a traditional savings account.

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Low minimum deposit

Open this new money certificate with only $2,500.

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A safe investment

Guaranteed returns and federally insured up to $250,000 by the NCUA.


Hassle-free account opening

Easily open a Term Savings Certificate today through digital banking, by giving us a call at 888.800.3328, or by visiting a branch.


Similar to Savings and Money Market Accounts (MMAs), Term Certificates are federally insured by NCUA up to $250,000. Where they differ is in the accessibility of the funds.

Savings and MMAs allow you to deposit or withdraw funds at any time. Term Certificates are timed accounts, meaning the funds on deposit are not available for a specified length of time.1 The upside is it yields higher rate that’s fixed for the duration of the term.

One of the key benefits of Term Certificates is laddering. Before you head to the hardware store, let us explain. Laddering is when you divide your initial investment into equal parts and deposit each portion into a separate Term Certificate so that one matures every year. That way, you can take advantage of longer terms (and therefore higher interest rates) while still having access to some of your money each year.2

For Members:

To open a Term Savings Certificate, follow the steps below:

  1. Login to Digital Banking
  2. Navigate to “Open New Accounts” and select “Open New Term Savings Certificate (CD)”
  3. Click “Apply Now” and then “Term Savings Certificate (CD)”
  4. Select one of the CDs from the list by clicking “Apply”
  5. Select a funding account from the drop-down list
  6. Enter an opening deposit amount
  7. Check the box on the bottom left if you agree to the Terms & Conditions
  8. Click “Finish”

For Non-Members:

To learn more or make an appointment, visit a branch or call us. Contact details can be found in the footer of our website.

Yes. There are different minimum deposit requirements for our Term Savings Certificate offerings. Please see our rates page for more info.

Yes – and no. Currently, terms range from six (6) months to sixty (60) months, but the duration you select is up to you.3

Short-term CDs are great if you think you’re going to need access to the money in a few months’ time, while longer terms tend to have better interest rates which is great if you don’t anticipate needing the funds anytime soon.


APY=Annual Percentage Yield. Rate and term valid as of June 10, 2024, for a 13-month Term Savings Certificate only. New 13-month Term Savings Certificate minimum balance required of $2,500 or more to earn 5.10% APY. The maximum total deposit amount for a 13-month Term Savings Certificate is $5,000,000.00 per member. New and existing funds qualify for this offer. After the account is opened, additional deposits to the account are not permitted. Dividends accrue daily and are paid monthly and at maturity, but penalties for early withdrawal may apply. At the end of the promotional 13-month term, funds will roll over to a standard non-promotional 12-month Term Savings Certificate at the then current rate. See the Term Savings (Certificate) Account Agreement and Disclosure for terms and conditions. Rate and offer are subject to change at any time without notice. Must be a member or qualify for membership to open a certificate.

IRA Certificates are also available for the rates and terms shown above. Dividends are paid monthly and at maturity. Early withdrawal penalties may apply. For complete agreement and disclosure, click here.

Rates and yields listed above apply only to the dates listed above and are subject to change without notice. All accounts are insured up to at least $250,000 by the NCUA, a U.S. Government Agency.

Fees and penalties may reduce principal.