Boost Your Saving With A Term Certificate!

Four Points Term Certificates

One solution doesn’t fit all. That’s why Four Points offers a large selection of Term Certificates. These term certificates are a great way to save money while locking in a higher dividend over a period of time.

Choose from certificates with terms between 6 and 48 months. Rates vary depending on the term and amount you decide to deposit. Most Four Points Certificates start with a minimum deposit of only $1,000. Promotional certificate terms and minimums may vary. Setup a Term Certificate with Four Points today and watch your money grow!

  • $1,000 Minimum Deposit
  • Term Lengths from 6 to 48 months!
  • Earn Higher Interest than Standard Savings Accounts


Experience a new way to save, all at your own pace! The Stash Your Cash certificate is new to Four Points and allows you to take advantage of the greater returns a certificate has to offer, without the large initial deposit requirement or longer term limits.

For a $100 initial deposit, you can choose a 6 or 12 month account and start earning a better return versus the average savings account. Plus you have the ability to earn even more with the option to deposit more into account for the term of the certificate.

If you are new to the world of saving, or want a temptation-free option to put money away for a future vacation or holiday, the Stash Your Cash certificate is sure to help you achieve your financial goals.

  • $100 minimum deposit
  • Term lengths from 6 to 12 months
  • Additional deposits of $10 or more can be made after account opening
  • Earn higher interest than standard savings accounts
  • Great option for new savers or vacation/holiday funds

Ready to open a new certificate today?

Just input the information below and submit. We’ll contact you within 2 business days to finalize the details!

  • Please do not submit any sensitive personal information (social security, date of birth, etc.). Once received, a member of our staff will contact you during business hours via your preferred method of contact to assist you.

Virtual Banking at its Best

As a virtual credit union with members in all 50 states, we learned to innovate early on to meet the needs of our members. We quickly adopted and embraced technologies like electronic signatures and online account opening to make banking simple and convenient for our members, no matter where they live.

From electronic signatures to EFTs, Four Points frees you to bank on your terms, from the comfort of your car, couch or cubicle.

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