Certificates
One of the safest, most straightforward ways to invest.
Open a certificate, starting with only $500.
Fixed Rates | Fixed Terms | No Fees
Surprises are great when it comes to birthdays and binge-worthy thrillers. But they can be really stressful when it comes to investing. Get fixed rates, fixed terms, and peace of mind with a certificate.
Invest with $500
Interest is compounded and credited monthly.
Flexible Terms From 3 to 60 Months
Pick a length of time that you’re comfortable leaving your money alone. Longer terms typically earn better rates.
A Place You Can Trust
When you leave money with a financial institution, they should be able to guarantee that you can get it back. That’s why we insure your funds up to $250,000 through the NCUA (National Credit Union Administration).
A Seamless Solution
Set up a variety of certificates with different terms and amounts and control the flow of dividends.
-
1
Open a certificate
Set it up by moving money from a different account.
-
2
Choose how long
The longer you invest, the more you typically earn.
-
3
Manage your money
Invest your interest to earn more, or take it out without a penalty.
Other Accounts and Resources
Financial & Estate Planning
Professional advice and strategies to help you save, invest, and retire.
Money Market
Looking for something more flexible than a certificate? A Money Market account might be perfect.
Rates
| Type of Account | Minimum Balance** | Dividend Rate1 | APY1 |
|---|---|---|---|
| Share Savings |
|
|
|
|
Money Market Advantage 1 *† |
|
|
|
|
Money Market Advantage 2 *† |
|
|
|
|
Money Market Advantage 3 *† |
|
|
|
|
Money Market Advantage 4 *† |
|
|
|
|
Money Market Advantage 5 *† |
|
|
|
|
Money Market Advantage 6 *† |
|
|
|
|
|
|||
|
3 Month Certificate |
|
|
|
|
6 Month Certificate |
|
|
|
|
12 Month Certificate |
|
|
|
|
18 Month Certificate |
|
|
|
|
24 Month Certificate |
|
|
|
|
30 Month Certificate |
|
|
|
|
36 Month Certificate |
|
|
|
|
48 Month Certificate |
|
|
|
|
60 Month Certificate |
|
|
|
|
|
|||
| Traditional Contributory IRA |
|
|
|
|
6 Month Traditional IRA Certificate |
|
|
|
|
12 Month Traditional IRA Certificate |
|
|
|
|
30 Month Traditional IRA Certificate |
|
|
|
|
60 Month Traditional IRA Certificate |
|
|
|
|
|
|||
| Contributory Roth IRA |
|
|
|
|
6 Month Roth IRA Certificate |
|
|
|
|
12 Month Roth IRA Certificate |
|
|
|
|
30 Month Roth IRA Certificate |
|
|
|
|
60 Month Roth IRA Certificate |
|
|
|
|
|
|||
| Contributory Education IRA |
|
|
|
|
6 Month Education IRA Certificate |
|
|
|
|
12 Month Education IRA Certificate |
|
|
|
|
30 Month Education IRA Certificate |
|
|
|
|
60 Month Education IRA Certificate |
|
|
|
Rates effective as of: April 29, 2025
Disclosures
1. The Dividend Rate and Annual Percentage Yields set forth above are accurate as of the effective date indicated above. If you wish to obtain current rate information please call the credit union at (303) 340-3343. Fees could reduce earnings on certain accounts. Penalties may be imposed for early withdrawal.
* Money Market Advantage Accounts pay dividends based on a balance limit rate table. The minimum average daily balance required to receive dividends is $2000.
** At least minimum balance must be obtained to receive dividends. For Share Savings accounts, a minimum balance of $250 must be maintained to receive dividends. See Standard Disclosure for balance to earn dividends.
†Additions allowed
Certificate of Deposit Calculator
Open an Account
Youth Accounts
Please schedule an appointment at one of the following branches to get started or give us a call at 303-340-3343:
Business Accounts & Loans
Please schedule an appointment at one of the following branches to get started:
Login
Home Value Look Up
[home-value]
Download our Mobile App
Open an Account
Leaving Our Website
Please Note: You are now leaving the Fitzsimons Credit Union website. We are not responsible for the privacy practices of any other website. We encourage you to read the privacy policies of any website you access, especially if individual identifying information is being collected.
Fitzsimons Credit Union does not represent either the third party or member if a transaction is entered.