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Share Certificates
Our Low-Risk Savings Solutions THat Fit Your Investment Horizon
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.
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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Visit a Branch
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.
