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Share Certificates
Our Low-Risk Savings Solutions THat Fit Your Investment Horizon


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Raise Your Rate with Our 27-Month “Step Up” Certificate

3.00% APY – 27 Months – 0 Min.

If at any time during your term, the rate for our 24-month certificate rises above 3.00% APY, you can contact 121FCU and we’ll raise your rate to match. You only need $500 to open a Step Up certificate. 


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The 90’s Are cool again — and so is earning money on your money.

4.00% APY – 15 Months – $45,000 min.

Act now to open a Share Certificate account for 15 months with a minimum of $45,000 and earn an incredible 4.00% APY! Visit or call any 121 Financial branch to lock in this amazing income stream. 

*Uncool banks & credit unions call these investment options “CDs.”
AS IF!


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Right Course Certificate

First time opening a Share Certificate? Consider our Right Course Certificate account that lets you commit to a shorter timeframe and earn higher returns on your investment with our competitive interest rates.


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Features
Rates
Details
Features

  • Rate guarantee for term of Certificate.
  • Flexible maturity dates. (12 months or 24 months)
  • Dividends compounded every month and at maturity.
  • Insured up to $250,000 by NCUA.

Rates

  Dividend Rate APY¹
12 Months 0.050% 0.050%
24 Months 0.200% 0.200%

Details

MINIMUM DEPOSIT: $10
TERM: 12 MONTHS, 18 MONTHS, 24 MONTHS

Currently, you’ll need to fund your new Certificate account in person at one of our branch locations.

Standard Certificate

You’re ready for a longer-term earnings investment.  That’s why 121 Financial offers a Standard Certificate account with a fixed interest rate that increases the longer your savings remains untouched.


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Features
Rates
Details
Features

  • Rate guarantee for term of Certificate.
  • Flexible maturity dates. (3 months – 60 months)
  • Dividends compounded every month and at maturity.
  • Federally insured by NCUA up to $250,000.

Rates

Dividend Rate APY¹
3 Months 0.100% 0.100%
6 Months 1.094% 1.100%
12 Months 2.472% 2.500%
18 Months 2.472% 2.500%
24 Months 2.570% 2.600%
27 Months – STEP UP 2.960% 3.000%
36 Months 3.105% 3.150%
48 Months 2.472% 2.500%
60 Months 2.472% 2.500%

Details

MINIMUM DEPOSIT: $500
TERM: Up TO 60 MONTHS

Currently, you’ll need to fund your new Certificate account in person at one of our branch locations.

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