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Big Rate. Fast Return.

4.00% APY1

with a 4-month Term Certificate

Join todayExisting Members: Open Now

Limited-Time 4.00% APY,
4-month Term Certificate

With our 4-Month Term Certificate, you’ll earn a much better rate than a regular savings account. Lock in your rate and let your money work for you.

  • 4.00% APY – Earn more with a fixed, competitive rate for the full term
  • Low Minimum Investment – Start with just $10,000
  • No Monthly Fees – Keep every dollar you earn
  • Federally Insured by NCUA – Your money is safe, secure, and insured up to $250,000
  • 24/7 Digital Access – Open and manage your certificate anytime through Digital Banking

It’s Easy to Open Your 4.00% APY Term Certificate

Joining First Entertainment Credit Union and securing your high-yield 4-month Term Certificate is fast, easy, and rewarding. Follow these simple steps to start earning 4.00% APY today.

Step 1: Become a Member

Open a First500 Savings Account to get started.

Start Your Membership Application

 

Step 2: Open Your 4-Month Term Certificate

Once you’re a member, pick the method that works best for you:

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Already a Member? Open Your 4.00% APY Certificate Today

It’s quick and easy to get started. Just log in to Digital Banking and open your 4-month Term Certificate in a few clicks.

Visit Digital Banking

Frequently Asked Questions (FAQs)

Got Questions? We’ve Got Answers

A 4-month Term Certificate is a timed savings account that offers a fixed interest rate for a set period. Unlike traditional savings accounts, funds are locked in for the term, which allows you to earn higher dividends. At First Entertainment, Term Certificates are federally insured by the NCUA up to $250,000.

Yes, the Annual Percentage Yield (APY) is fixed for the full duration of the 4-month term. This means your rate won’t change, and you’ll earn predictable returns throughout the term.

To open this 4-month Term Certificate at First Entertainment, the minimum deposit is $10,000.

The maximum you may deposit into this certificate is $500,000.

Yes, early withdrawals are allowed but subject to penalties.

Early withdrawal made during the first ninety (90) days from the opening date or renewal of the Term Savings Certificate:

  • The penalty shall be the dividends earned on the withdrawn amount.

Early withdrawal made more than ninety (90) days after the opening or renewal of the Term Savings Certificate:

  • The penalty shall be all dividends earned up to the first ninety (90) days on the amount withdrawn.

Early withdrawal penalties shall not apply for:

  • Withdrawals of paid dividends.
  • Withdrawals made subsequent to the death or complete physical disability of any owner.

Absolutely. Your Term Certificate is insured by the National Credit Union Administration (NCUA) up to $250,000, offering peace of mind and federal protection.

While both are insured and offer safe returns, a Term Certificate typically provides a higher fixed APY than a savings account. However, savings accounts offer more liquidity, whereas CDs require you to commit funds for the full term.

If you don’t choose a rollover option ahead of time, your 4-month Term Certificate will automatically renew into a standard 6-month certificate at the current rate.

Want something different?
You can decide where your funds go at maturity, just log in to Digital Banking and select the account you’d like your certificate to roll into. It’s quick, flexible, and puts you in control.

 

Why Join First Entertainment

As part of the entertainment community, you need a financial partner that understands your story. That’s the role we were born to play. We’re member-owned and not-for-profit, so you can count on:

  • Great rates and lower fees
  • Convenient digital and mobile banking tools
  • Branches on studio lots2
  • Loans to cover union fees
  • Investment and insurance services
  • Free credit score monitoring
  • Homebuying commission rebates
  • Free financial wellness resources
  • Easy transfers with Zelle®3

What our members say

First Entertainment is the best place for me to be. They’ve done a great job meeting my needs.

— Neal Z., Prop Master Read the full member story
Person holding a folder

What our members say

Being a creative and working on productions, we may have large checks, and First Entertainment makes it easy and worry-free to mobile deposit on the go.

— Rae A., Wardrobe Stylist Read the full member story
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What our members say

First Entertainment is an ideal financial partner because the Credit Union understands the constant flux of the entertainment industry.

— Devin H., Set Lighting Technician Read the full member story
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What our members say

It’s important that a financial institution understands the unique needs of the industry it serves in an equitable and empathetic way, and First Entertainment does that well.

— Shari H., Director DEI Operations Read the full member story
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What our members say

First Entertainment made the mortgage process painless for someone in the industry who has non-traditional work hours and pay history.

— Karen S., Makeup Artist (IATSE Local 706) Read the full member story
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Disclosures

1
APY = Annual Percentage Yield. Rate and term valid as of October 06, 2025. New 4-month Term Savings Certificate minimum balance required of $10,000 new money or more to earn 4.00% APY. New money is described as funds that have not been on deposit in a First Entertainment Account within the past 30 days. After the account is opened, additional deposits to the account are not permitted. The 4-Month Term Savings Certificate has a maximum balance of $500,000.00. Dividends accrue daily and are paid monthly and at maturity, but penalties for early withdrawal may apply. At the end of the promotional Savings Certificate, funds will roll over to a standard non-promotional 6-month Term Savings Certificate at the then current rate. Rate and offer are subject to change at any time without notice. Must be a member or qualify for membership to open a certificate. See Term Savings (Certificate) Account Agreement and Disclosure for terms and conditions.
2
Branches are only accessible for those cleared for access.
3
To be eligible for Zelle®, you must be a member for at least 90 days. To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.