Bump Certificate Special


Account Rates

Effective Date 9/4/2018. Rates Subject to Change.

Account Type APY*
30 Month Bump CD** 2.45%*
50 Month Bump CD*** 2.60%*

Move On Up to a Higher CD Rate with our Bump Certificate Special!

 

If rates increase during the term of the certificate, you have a one-time opportunity to request a rate increase to the higher CD rate.

 

 

 *APY = Annual Percentage Yield. Rates and terms are subject to change. Bump up offer is valid only one time during the term of the CD. Bump CD promo rates and offer are for new money only. Minimum deposit for a CD is $500. If the certificate is redeemed prior to maturity date a penalty will apply. The 30 and 50 Month Bump certificates will automatically renew at maturity to a 36 and 60 Month certificate respectively. 

** The one-time rate increase will be based on the non-promotional 36 month rate then being offered by Spirit Financial Credit Union

*** The one-time rate increase will be based on the non-promotional 60 month rate then being offered by Spirit Financial Credit Union


Certificates of Deposit


Earn a Higher Yield on Your Money

Earn more interest on your money with a certificate of deposit. Terms range from 3 months to 5 years. IRA options are available.

Whether you’re saving for retirement, a dream vacation or a child’s education, Spirit Financial Credit Union has a term and rate to help you achieve your goal.

Benefits of a Certificate of Deposit:

  • $500 minimum deposit

  • Flexible terms ranging from three months to five years

  • Attractive and competitive rates

  • Dividends are paid monthly and can be added to your principal or transferred to another Spirit Financial Credit Union account

  • Convenient automatic renewal

  • Deposits are federally insured by the NCUA up to $250,000

To learn more about our Certificate options or to open a certificate, please visit our Spirit Financial office or call (267) 580-0230.


Account Rates

Effective Date 11/1/2018. Rates Subject to Change.

Account Type APR* APY**
3 Month Share Certificate 0.200% 0.20%
6 Month Share Certificate / IRA Certificate 0.399% 0.40%
9 Month Share Certificate / IRA Certificate 0.598% 0.60%
1 Year Share Certificate / IRA Certificate 1.094% 1.10%
18 Month Share Certificate / IRA Certificate 1.193% 1.20%
2 Year Share Certificate / IRA Certificate 1.785% 1.80%
3 Year Share Certificate / IRA Certificate 2.325% 2.35%
4 Year Share Certificate / IRA Certificate 2.423% 2.45%
5 Year Share Certificate / IRA Certificate 2.521% 2.55%

Earn more by investing for a longer term

Your first step to saving starts here! To learn more about our certificate options or to open a certificate, please visit our Spirit Financial office or call (267) 580-0230.