Term Certificate

A savings strategy that pays off over the short term or the long haul.
Tax Time Term Certificates

Turn your tax refund or any winter windfalls into something bigger with these new Term Certificates—available only for a limited time:

• 4.45% APY for 15 Months
• 4.75% APY for 21 Months

Fill out a request form below and type either "TAX15" or "TAX21" in the Other Details box, or give us a call today at 1 (800) 323-2786 and speak to one of our Member Services Specialists! $5,000 minimum to open.

Rates effective 2/3/2023. Promotion, rates, and terms subject to change or end without notice. APY is Annual Percentage Yield. $5,000 minimum to open. Certificate renewals not automatically included. Penalty for early withdrawal is 180 days dividends. Fees may reduce yield. See Account Terms & Membership Disclosures for complete details.

Worth The Wait

Highlighted features of product

Save on your schedule
Choose Certificates with terms ranging from 6 to 48 months.
Patience pays off
In general, longer term Certificates offer higher returns.
Good starting point
It only takes $1,000 to open a Term Certificate account.
Roll it over, easy
You can automatically renew your Certificate once it reaches maturity.

Timing can be everything. In this case, you control it.

You've planned ahead. You have a good grasp of your financial needs moving forward. And a one-size-fits-all savings strategy just won't cut it. With Term Certificates from Four Points Credit Union in Omaha, you have the freedom to save on a schedule that aligns with your unique realities. The other big benefit? A high fixed rate, which means you know from the start you're going to come out ahead of the game.

  • Four Points Term Certificates earn a higher rate than most traditional Savings accounts
  • Lock in these higher rates for anywhere from six months to four years
  • Special promotions may include Certificates with different savings terms and minimum dollar amounts
  • You may forfeit some dividend earnings if you withdraw funds early, but your initial investment is always safe
  • Deposits insured by the National Credit Union Administration

Better savings starts here.

Please fill out the handy form below and we'll get back with you in e-mail or by phone to complete your Term Certificate request.
  • First Name is a required field
  • Last Name is a required field
  • Last Four Digits of Credit Union Account (or type in new) is a required field
  • Email Address is a required field
  • Phone Number is a required field
  • Please enter phone number in 000-000-0000 format
    • Amount of Certificate is a required field
    • Source of Funds is a required field
    • Certificate Term is a required field
    • Account Owner(s) is a required field
      • reCAPTCHA is a required field


      APY is Annual Percentage Yield. Penalty for early withdrawal of regular and add-on certificates is 90 days dividends for terms 12 months or less, 180 days dividends for terms greater than 12 months. Fees may reduce yield. Non-Promotional term certificates require $1,000 minimum to open.
      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.

      Personal Loans

      Got a large purchase on the horizon? Apply for a Four Points Personal Loan and use your funds on whatever you need.