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Orlando FCU

Certificate Accounts

Don't need the temptation of being able to spend your savings? Want to earn more in dividends while keeping your money safe? A certificate account can help boost the growth of savings you don't immediately need.

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  • Minimum deposit: As little as $500
  • Term options from 6 to 60 months
  • Competitive dividend rates
  • APY increases at higher balance amounts or longer term
  • A penalty will be charged for early withdrawal*

13-month Term Share Certificate Special

$500 minimum deposit, 2.50% APY*

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12-month term

$500 minimum deposit

1.30% APY*

Calculate Worth at Maturity

6-month term

$1,000 minimum deposit

1.30% APY*

Calculate Worth at Maturity

12-month term

$1,000 minimum deposit

1.65% APY*

Calculate Worth at Maturity

*APY = Annual Percentage Yield. We will impose a penalty if you withdraw any of the principal balance in your account before the maturity date. The amount of the early withdrawal penalty is based on the term of the account. The amount of these penalties are as follows: Terms of 6 months or less lose 90 days’ worth of dividends; and terms greater than 6 months lose 180 days’ worth of dividends. The penalty is calculated as a forfeiture of part of the dividend that has been or would be earned on the amount withdrawn. If the account has not yet earned enough dividends or the dividend has already been paid, the penalty will be deducted from the principal. The Annual Percentage Yield disclosed is based on an assumption that dividends will remain in the account until maturity; a withdrawal will reduce earnings. Fees and penalties can reduce earnings on the account. Rates subject to change without notice.

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