Term Certificate

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, 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

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Last Name

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Last Four Digits of Credit Union Account (or type in new)

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Email Address

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Phone Number

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Preferred Contact Method

Amount of Certificate

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Source of Funds

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Certificate Term

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Account Owner(s)

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Other Details

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Disclosures

APY is Annual Percentage Yield. Penalty for early withdrawal is 90 days of dividends. Fees may reduce yield.

Four Points Federal Credit Union is a full-service credit union headquartered in Omaha, Nebraska.

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