Share Certificates

A Share Certificate is an account where funds are deposited for a pre-determined length of time. In exchange for agreeing to leave your money with us for this set time-period, you may earn a higher yield than on a regular share savings account.

Investing in a Share Certificate is ideal for members who want their money to grow at a higher rate than a regular savings account. Share Certificate terms range from 6 to 60 months with a minimum deposit of $1,000.

At maturity, certificates automatically renew for the same term, at the current rate, unless you instruct us otherwise during the renewal period. Dividends are compounded and credited monthly. The amount of dividends earned will be shown on your statement. Dividends may be deposited directly into a specified account or rolled into the certificate.

Early withdrawals may be subject to a penalty1 and may reduce your earnings. Contact the credit union for further details.

Easy to Open

To open a certificate of deposit simply call the credit union at 305.324.4004 or 1.800.615.1161.

View our most current rates

Member Rewards

Build your relationship with Miami Firefighters FCU. With our Member Rewards program the more you use your credit union for loans, checking and savings accounts, the more your credit union prospers and grows and this means more and better services and pricing for you.

Accounts are federally insured by the National Credit Union Administration, an agency of the Federal Government up to $250,000 depending on account structure.  See NCUA Calculator for more information.

1 View our Share Certificate Disclosure for specifics.