Certificates

• Guaranteed savings at a competitive, fixed rate
• Locked-in rates provide more guarantee than other, more risky investments
• Terms ranging from 6 months to 5 years available
• No setup or maintenance fees
• Early withdrawals subject to penalty
• $1,000 minimum deposit to open

Additional Deposit Coverage available — deposits secured up to $500,000, backed by NCUSIF and additional private insurance, Excess Share Insurance (ESI) Corporation

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Let your savings take root with our limited-time Share Certificate and IRA Certificate rate special!

• 3.85% APY¹ for 7-Month Share Certificate (Online Only)
• 3.85% APY² for 15-Month Certificate & IRA

View All Rates 

Get started today and open your Share Certificate online in a few minutes. To open an IRA Certificate, please visit your Nearest First Harvest Branch.

1. Annual Percentage Yield (APY) effective as of 05/23/2025 and subject to be cancelled, extended, or changed without notice. First Harvest Credit Union reserves the right to withdraw or revise the offer at any time. APY listed paid on $500 minimum balance. Must be opened online at FirstHarvestCU.com or other First Harvest digital channels. This offer is not available at First Harvest branch locations. Must open with $500 minimum in new money or have a First Harvest Checking Account. Certificates will automatically renew at maturity according to the renewal terms stated on our Truth-In-Savings Disclosure. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Review our Truth-In-Savings Disclosure at FirstHarvestCU.com/Disclosures for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance. 

2. Annual Percentage Yield (APY) effective as of 05/23/2025 and subject to be cancelled, extended, or changed without notice. First Harvest Credit Union reserves the right to withdraw or revise the offer at any time. APY listed paid on $500 minimum balance. Must open with $500 minimum in new money or have a First Harvest Checking Account. Certificates will automatically renew at maturity according to the renewal terms stated on our Truth-In-Savings Disclosure. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Review our Truth-In-Savings Disclosure at FirstHarvestCU.com/Disclosures for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance.