Choice Certificate

Locked in rates with the freedom to access your funds when you need them

Freedom to Save Your Way

Highlighted features of product

No Penalties
We're serious! After six days, you're free to move your funds with zero penalties.
Steady wins the race
Lock in a great rate.
Big funds, bigger dividends
Choice Certificates require $10,000 to open.
Safe and secure
Your funds are federally insured by the NCUA.

The best of both worlds

Certificates have always been a powerful tool for building up hefty savings but remain limited on when you can withdraw your hard-earned dividends. With Four Points Federal Credit Union's Choice Certificate, you remain in control of how, where, and when you earn the most dividends possible. We have paired competitive earning rates with the flexibility of zero penalties on early closure or account withdrawals—as long as it's done six days after the initial funding.

  • Earn bigger dividends at a rate that's locked in and unaffected by the shifting market
  • Withdraw your full balance & dividends any time after the first six (6) days following the date you funded your Choice Certificate
  • Your money is your money—no monthly maintenance fees are charged on any FPFCU Certificates
  • Choice Certificates start with a $10,000 minimum deposit
  • Deposits insured by the National Credit Union Administration

Better savings starts here.

Please submit the form below and we'll contact you promptly to complete your Certificate request.
                            • reCAPTCHA is a required field
                            Four Points Federal Credit Union is a full-service credit union headquartered in Omaha, Nebraska.

                            Ready, Set, Grow!

                            No matter your next step, Four Points FCU can help you get there.