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

SWEET! CDs* are back in style?!?

4.00% APY — 15 Months — $45,000 min.

Ok, not "THOSE" kind of CDs... we're talking about the Certificate of Deposit* CDs! 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 for details.

* we call them share certificates

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.

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

  • 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.
  Dividend Rate APY¹
3 Months 0.100% 0.100%
6 Months 1.094% 1.100%
12 Months 1.687% 1.700%
18 Months 1.884% 1.900%
24 Months 2.129% 2.150%
36 Months 2.374% 2.400%
48 Months 2.472% 2.500%
60 Months 2.716% 2.750%
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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