There's a certificate for everyone, find the one that fits your needs.

Share Certificates (similar to Certificates of Deposit at traditional banks) offer a higher dividend rate than a regular Savings account. A Signature FCU Share Certificate is an attractive way to build up savings on your terms.

You can elect to transfer your dividends out each month or re-invest them in your certificate to maximize the earning potential. At the time of maturity, you can withdraw a portion or all of your funds or roll the amount into a new Share Certificate at the current market rates.

Premium 36-Month Certificate *Limited-Time Offer*

Earn 4.50% APY* with our Premium 36-Month Certificate. Take advantage of this limited-time offer and open your account today with a minimum balance of $500.

*APY = Annual Percentage Yield. $500 minimum deposit required to open. Rates are effective as of 11/3/2022. Rates are set by the Board of Directors and may change without notice. Rates are fixed for the term of the Share Certificate and a penalty may be assessed for early withdrawal of funds. At the end of the term, the Share Certificate will automatically renew to the standard 36-month certificate rate. Your deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA).

Bump It Up Certificates *Limited-Time Offer* 

Now offering Bump It Up Certificates with two different terms! Choose from:

  • Earn 4.00% APY1 for 23 months. If our standard 24-month certificate rate changes during the term of the certificate, you can "bump it up" one time to the new rate! Minimum opening balance is $500.
  • Earn 3.50% APY2 for 59 months. If our standard 60-month certificate rate changes during the term of the certificate, you can "bump it up" one time to the new rate! Minimum opening balance is $500.

1APY = Annual Percentage Yield. Rates are effective as of 11/3/2022. Rates are set by the Board of Directors and may change without notice. If the standard 24-month share certificate rate is higher than your current rate, you are eligible to “Bump It Up” or increase your rate one (1) time during the term of the share certificate. It is your responsibility to contact the Credit Union and request the rate to be increased; we will not increase the rate automatically at any time during the term of the certificate. At the end of the term, the Share Certificate will automatically renew to the regular 24-month certificate rate. Available as a standard share certificate, Traditional IRA Certificate, and Roth IRA certificate. For our current rates, visit www.SignatureFCU.org/rates or contact us at (800) 336.0284 ext. 684. For all Share Certificates, a penalty may be assessed for early withdrawal of funds. Your deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA).

2APY = Annual Percentage Yield. Rates are effective as of 11/3/2022. Rates are set by the Board of Directors and may change without notice. If the standard 60-month share certificate rate is higher than your current rate, you are eligible to “Bump It Up” or increase your rate one (1) time during the term of the share certificate. It is your responsibility to contact the Credit Union and request the rate to be increased; we will not increase the rate automatically at any time during the term of the certificate. At the end of the term, the Share Certificate will automatically renew to the regular 60-month certificate rate. Available as a standard share certificate, Traditional IRA Certificate, and Roth IRA certificate. For our current rates, visit www.SignatureFCU.org/rates or contact us at (800) 336.0284 ext. 684. For all Share Certificates, a penalty may be assessed for early withdrawal of funds. Your deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA).

EZ Save Certificate

Are you looking for a certificate that you can add to? Our special EZ Save Certificate allows you to start saving with just an initial $50 minimum deposit, and you can make additional deposits anytime. Watch your money grow while earning a higher dividend that a share savings or money market account.

Our EZ Save Certificate offers:

  • A 12-month term; after 12 months you have the opportunity to transfer the balance to another Share Certificate
  • One EZ Save Certificate per account (Limit $25,000*)
  • Make additional deposits anytime by mailing a check, setting up a payroll/retirement allotment, Online Branch or Mobile App transfer, or even transfer funds from your local financial institution

Open yours today online or by calling (800) 336.0284 ext. 684

*Balances under $25,000 will earn 2.00% Annual Percentage Yield (APY). Balances over $25,000, including any paid dividends, will earn 0.10% APY. Once your balance reaches $25,000, in order to earn the full dividend of 2.00% APY you must request your earned dividends to be automatically transferred out of the EZ Save Certificate. A penalty may be assessed for early withdrawal of funds excluding dividends. Your deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA).

Standard Share Certificates

With a minimum opening balance of $500 you can begin watching your savings grow anywhere from three months to five years. Share certificates are available as regular share and IRA certificates. No additional deposits can be made once the account is open.

Application Center

Ready to open your Share Certificate? Complete the application below.

View Certificate Rates Membership Application

Already a Member?

A new application is not required to add a Certificate to your account, please contact our Member Services Department at (800) 336-0284 ext. 684 or MemberServices@signaturefcu.org or fill out the Account Update form below.

Account Update Form

Return the completed form by mail or by using our Secure Upload button, we'll take it from there.

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For all term share accounts (Share Certificates), rates are fixed for the term of the Share Certificates and penalty may be assessed for early withdrawal of funds from Share Certificates.