Secure Your Savings with Fitzsimons Credit Union Share Certificates in Aurora, CO

Introduction

Fitzsimons Credit Union is a member-owned, not-for-profit financial institution with deep roots in the Aurora, Colorado community. We have served Aurora residents for decades with personalized banking services and a mission to help our community thrive. One of the most secure and rewarding savings options we offer is the share certificate, our credit union’s version of a certificate of deposit (CD). Share certificates allow you to grow your savings at a fixed interest rate over a set term, providing a safe way to earn higher returns than a regular savings account. And because Fitzsimons is federally insured by the NCUA, your deposits (including those in share certificates) are protected up to $250,000 – giving you peace of mind that your money is safe while it grows.

In this article, we’ll explore everything you need to know about Fitzsimons Credit Union’s share certificates. You’ll learn about our local Aurora heritage and commitment to members, how share certificates work, the features and benefits of opening one with Fitzsimons, current special rates, how to open an account, and why choosing Fitzsimons will help you maximize your savings. Whether you’re new to certificates or comparing options, this guide will show how Fitzsimons Credit Union can partner with you to secure your financial future with a great share certificate.

About Fitzsimons Credit Union

History and Community Roots: Fitzsimons Credit Union first opened its doors in 1955 as Fitzsimons Army Hospital Federal Credit Union with just 15 members and $360 in assets. It was founded on the Fitzsimons Army Medical Center campus to serve military personnel, veterans, hospital staff, and their families – “serving those who serve” was part of our early legacy. In 1995, when the Army announced the closure of the Fitzsimons base, we transitioned to a community charter to continue serving Aurora residents. By 2020, our charter expanded to include anyone who lives, works, worships, or attends school in Adams, Arapahoe, or Denver counties. Over the years we’ve grown from that $360 start to around $200 million in assets today. Despite our growth, we remain locally focused and member-owned, providing trusted financial services to Aurora and nearby communities while reinvesting in our members.

Mission and Member Commitment: As a not-for-profit credit union, Fitzsimons exists solely to serve our members. We don’t have outside shareholders – our members are our shareholders, which means earnings are returned to you in the form of better rates and lower fees. Our core mission is to promote the financial well-being of every member through personalized service and competitive banking solutions. We offer one-on-one financial guidance, free educational resources, and innovative programs to help you achieve your goals. Fitzsimons has been recognized for its community involvement and member service – for example, we were named Credit Union of the Year in 2021 for our asset size category in Colorado, and have earned awards for efforts in serving the Hispanic community and supporting the arts. When you bank with Fitzsimons, you’re partnering with a local institution that genuinely cares about you and your neighbors. As our longtime member Charles G. puts it:

“Great credit union, actually the best. Wonderful, professional staff. Have been a member for over 40 years and not going anywhere else.”

Aurora Branch Locations: We proudly serve members through two convenient branch locations in Aurora, in addition to extensive shared branching and ATM networks. Our main office (Anschutz Branch) is located near the Anschutz Medical Campus at 2201 N Fitzsimons Pkwy, Aurora, CO 80045. Our branch offers full-service banking with friendly staff ready to help. (See the Contact & Branch Information section below for detailed address, hours, and maps.) Additionally, as part of the CO-OP Shared Branch network, Fitzsimons members have access to over 5,300 shared branch locations nationwide and 30,000+ surcharge-free ATMs, so you can manage your accounts wherever you go. We may be locally rooted, but our members enjoy national reach for their banking needs.

What Are Share Certificates?

Definition: A share certificate is the credit union equivalent of a bank Certificate of Deposit (CD). It’s essentially a time deposit account that earns a fixed dividend (interest) rate over a specified term. When you open a share certificate, you agree to leave a certain amount of money on deposit with the credit union for a set period of time (for example, 6 months, 1 year, 5 years, etc.). In return, the credit union pays you a guaranteed fixed interest rate that is typically higher than what you’d earn in a regular savings or checking account. Share certificates are one of the safest, most straightforward ways to invest your savings – you know exactly what rate you’ll get and how long you’ll earn it, and your principal is protected.

How They Work: Share certificates function very similarly to CDs at banks, with a few credit union twists. You deposit a lump sum (meeting a minimum deposit requirement) into the certificate account and select your term. During the term, the money generally must remain on deposit; withdrawing funds early may incur a penalty (we’ll cover early withdrawal in the FAQ section). In exchange for leaving your funds untouched, you lock in a higher dividend rate. The rate is fixed for the entire term, so you are protected from rate drops (and conversely, you won’t get a rate increase if market rates go up). Typically, longer-term certificates pay higher rates than shorter terms, rewarding you for committing your funds for a greater period. For example, a 3-month certificate will usually have a lower Annual Percentage Yield (APY) than a 5-year certificate opened at the same time, because with a longer term the credit union can invest the funds for longer and thus can offer more yield to you.

Safety and Insurance: Share certificates at Fitzsimons are extremely safe. Not only do they carry a fixed rate, but they are also federally insured by the NCUA (National Credit Union Administration). This means your certificate balances are insured up to at least $250,000 (and potentially more, depending on account structure) against any credit union failures. In other words, there is virtually no risk of losing your deposit – you’ll get your principal and earned dividends back as promised, making share certificates a low-risk investment. Additionally, Fitzsimons charges no monthly fees on share certificates that could eat into your earnings. As long as you keep the account to term, you simply earn your interest and pay no fees, unlike some other investments. This combination of safety, predictability, and higher returns makes share certificates an excellent option for goals like saving for a down payment, building an emergency fund reserve (beyond immediate cash needs), or any situation where you want your money to grow reliably.

Comparison to Other Accounts: Compared to regular share savings accounts, share certificates generally offer significantly higher dividend rates. The trade-off is that savings accounts allow you to add or withdraw money at any time, whereas certificates require you to park the money for the term. If you might need quick access to the cash, a standard savings or money market account is more flexible. However, if you can commit the funds for a set period, a certificate will reward you with much more interest. Certificates also differ from money market accounts in that money markets often have variable rates and allow some withdrawals, whereas certificates have fixed rates and usually no access until maturity. Many members ladder their savings – keeping some funds liquid in savings or money markets for flexibility, and putting longer-term funds into share certificates to earn higher returns.

In short, a share certificate is ideal if you want guaranteed growth on your savings with zero risk. You’ll know exactly how much you’ll earn and when, unlike investments in stocks or mutual funds which can fluctuate. As long as you won’t need the money for the length of the term, a certificate is an excellent choice for secure savings growth. And at Fitzsimons, opening a certificate is easy and comes with the confidence of working with your local Aurora credit union.

Fitzsimons Share Certificates: Features & Benefits

Fitzsimons Credit Union offers a variety of share certificates designed to fit your needs. Here are the key features and benefits of our certificate accounts:

• Flexible Term Options (3–60 months): We offer terms ranging from as short as 3 months up to 60 months (5 years), and many options in between. You can choose a term that aligns with your savings goals – whether it’s a few months or a few years. Longer terms generally reward you with higher interest rates, so you can maximize earnings if you’re comfortable locking in for a longer period.
• Low Minimum Deposit: You can open a Fitzsimons share certificate with as little as $500. This low minimum makes our certificates accessible to members who may not have large sums to invest. Whether you start with $500 or a much larger amount, you’ll earn the same great rate for the term. (Of course, the more you deposit, the more total dividends you’ll earn.)
• Competitive Fixed Rates (High APYs): Our certificate dividend rates are very competitive in today’s market, often higher than what big banks offer on CDs. Rates are fixed for the entire term, giving you a guaranteed return. We publish our current rates on our website, and they are tiered by term – longer-term certificates have higher Annual Percentage Yields (APYs). For example, if shorter terms are paying around (say) 2–3% APY, our longest terms could be even higher. In fact, Fitzsimons periodically runs special promotional rates well above national averages – at times reaching up to 4.00% APY on certain term specials. (See our Current Promotions section for details on the latest special certificate rate.) Whatever the term, you can trust that our rates are among the best around for a guaranteed, insured return.
• Monthly Compounded Dividends: Interest on your share certificate (called dividends at credit unions) is compounded monthly and credited monthly to your account. This means every month, the interest you earned is added to your certificate balance, and then you earn interest on that new total the next month (accelerating your growth). You have the option to have dividends paid out to you instead of compounding if you prefer – for example, some members with larger certificates choose to have the interest deposited to their checking account monthly as income. If you do that, your certificate will not compound, but you get the cash flow. It’s up to you; by default we’ll keep adding the dividends to the certificate so your money grows faster. (Even if you take the interest out, there’s no penalty or fee for doing so – you’re free to withdraw the dividend payments without breaking the certificate.)
• No Fees or Surprises: Fitzsimons does not charge any monthly maintenance fees on share certificates. There are also no setup fees or service charges. The rate is fixed and your earnings belong to you. The only potential fee would be an early withdrawal penalty if you cash out before the term ends (see FAQ section for details), but if you hold the certificate to maturity, you won’t pay anything out of pocket. We believe in transparent, straightforward savings – “fixed rates, fixed terms, and peace of mind” with no hidden costs.
• NCUA Insured Security: Every Fitzsimons share certificate is backed by our federal share insurance. Deposits are insured up to at least $250,000 per member by the NCUA (National Credit Union Administration).This is the credit union equivalent of FDIC insurance and carries the full faith and credit of the U.S. government. In practice, this means your certificate savings are 100% safe no matter what happens in the economy. Even if unforeseen events occur, your money (up to the insured limit) is guaranteed. And remember, if you have joint accounts or IRA certificates, you may qualify for more than $250K in coverage – the NCUA insurance can cover up to $500,000 or more in certain cases with different account ownership structures.
• Automatic Renewal or Payout at Maturity: Our share certificates are set to automatically renew at maturity (unless otherwise instructed). When your term ends, we will roll your certificate into a new one of the same term and apply the current dividend rate at that time. This way, your money can keep working for you without any gaps. We’ll mail you a maturity notice ahead of time, and you typically have a grace period after renewal (usually around 7–10 days) to withdraw or make changes if you don’t want to continue the certificate. If you prefer not to auto-renew, you can instead choose to have the funds transferred to your savings or checking when the term ends – just let us know before the maturity date. The flexibility is yours: renew for continuous earning or cash out to use your funds elsewhere. (For promotional certificates, the renewal term may differ – e.g., our special 7-month certificate will roll over into a standard 6-month term at maturity unless you instruct otherwise.)

In summary, a share certificate at Fitzsimons comes with fixed, competitive earnings, total security, and zero hassle. It’s an ideal solution for anyone looking to lock in a great rate on their savings. With terms as short as 3 months and a minimum deposit of just $500, you can start small and still benefit from higher returns. And because we’re member-owned, we’re proud to pass as much value as possible back to you in the form of these excellent rates and features.

Current Promotions & Special Rates

One advantage of banking with Fitzsimons is that we frequently offer special promotional share certificate rates that give an extra boost to your savings. If you’re looking for the best return, keep an eye out for these limited-time offers. Here’s what’s happening currently:

🔥 7-Month Share Certificate Special – 4.00% APY: For a limited time, Fitzsimons is offering an excellent 4.00% APY on a 7-month share certificate*. This is a promotional rate well above typical savings yields, designed to help our members earn more in a short period. The 7-month certificate special is available through December 31, 2025 (promotion expiration). After the 7-month term, this promo certificate will automatically roll over into a standard 6-month certificate at the prevailing rate, unless you choose to do otherwise at maturity.

This special rate comes with a few conditions to note: the minimum opening deposit is $500 (as with our regular certificates), and there is a maximum deposit of $100,000 per certificate for the promotional rate. Additionally, the funds used to open the certificate must be new money to the credit union – in other words, the promotion is intended to reward members bringing in new deposits that were not already on account with us in the last 30 days. (This ensures we’re giving the best rates to encourage fresh savings and growth.) All regular certificate rules apply, including early withdrawal penalties if you withdraw before 7 months (so plan to keep the money on deposit for the full term to enjoy that 4.00% APY).

*APY = Annual Percentage Yield. Rates are accurate as of the time of writing and subject to change without notice. This 4.00% APY special is a great opportunity to significantly boost your earnings in the short term – for example, a $10,000 deposit in this 7-month certificate will yield about $233 in dividends at maturity, compared to only around $30 in a typical savings account over the same period. Don’t wait too long – once the promotion period ends, this rate may no longer be available.

Other Special Offers: In addition to the 7-month special, Fitzsimons occasionally runs other certificate promotions, such as longer-term specials or IRA certificate deals. For instance, we have previously offered a 26-month special certificate for those who wanted a 2+ year term with a bump in rate. Promotional terms can vary, so it’s worth checking our Current Promotions page regularly for updates. We also periodically have IRA share certificate specials that help you boost retirement savings with higher APYs. Promotional rates often change with market conditions, and new offers can come up throughout the year.

Eligibility for Specials: Typically, promotional certificates are available to both existing and new members as long as you meet any specified criteria (like the new funds requirement). You must be a member of Fitzsimons Credit Union to take advantage of our certificate specials – if you’re not yet a member, don’t worry, it’s easy to join (see How to Open a Share Certificate below). Other requirements, such as maintaining a checking account or other relationship, are usually not needed for our certificate promos; we try to keep it simple – just bring your funds and earn the high promo rate. Each promotion will clearly state any conditions in its disclosures.

Dates and Updates: Promotional rates are time-sensitive. The current 7-month 4.00% APY offer, for example, ends 12/31/2025. Fitzsimons reserves the right to withdraw or change a promotional offer at any time, so it’s wise to act during the promotional window if you’re interested. After an offer expires, any new certificates will be opened at the standard rates in effect at that time. We encourage members to check our website for the latest offers or call us to ask about current rates. We regularly update our Current Promotions page with any new specials. If you miss one promotion, there may be another in the future – but if you can, take advantage of these specials while they last. They’re a fantastic way to get above-market returns with the security of a credit union certificate.

In summary, Fitzsimons Credit Union is committed to giving you the best rates possible, and our promotional share certificates are a prime example. By choosing us for your certificates, you’ll have access to these specials that many big banks or other institutions might not match. Be sure to visit our promotions page or speak with a representative to see what’s available now. Your money should be working hard for you – and with our special rates, it definitely will.

(Note: All rates and terms mentioned are current as of this writing but are subject to change. APY assumes dividends remain on deposit until maturity. Promotional offers may have additional restrictions as noted. Federally insured by NCUA.)

How to Open a Share Certificate

Opening a share certificate at Fitzsimons Credit Union is a straightforward process. If you’re already a member of the credit union, it’s as simple as contacting us or logging into online banking to initiate the certificate. If you’re not yet a member, you’ll need to join the credit union first – but don’t worry, membership is easy and open to many in our community. Here are the steps and requirements:

1. Check Membership Eligibility: As a community-chartered credit union, our membership is open to a broad range of individuals in the Aurora/Denver metro area. You’re eligible to join Fitzsimons Credit Union if you live, work, worship, or attend school in Adams, Arapahoe, or Denver County, Colorado. This covers most of the greater Aurora and Denver region. Additionally, businesses and other legal entities located in those counties can join. We also extend membership to immediate family and household members of existing eligible members. In short, if you have a connection to our community, you likely qualify for membership. We welcome people of all backgrounds – U.S. citizenship is not required to join (we even serve members with ITINs instead of SSNs). Fitzsimons believes in financial access for everyone in our community. If you’re unsure about eligibility, just ask – chances are you can become a member.

2. Become a Member (if not one already): To join, you simply need to open a basic membership share savings account with us. This establishes your ownership share in the credit union. A minimum opening deposit of $5 is required for the share savings – this $5 represents your “share” in Fitzsimons and must remain on deposit to keep your membership active. (Think of it as buying into the cooperative; it’s still your money, and it’s held in your savings.) There is also a one-time membership fee of $5, which helps cover administrative costs – however, sometimes we run promotions that waive this fee, so check with us. So in total, $10 is typically sufficient to join ($5 deposit + $5 fee). Opening your membership can be done online in about 5 minutes or in-person at a branch.

• Online Application: The easiest way to join is via our secure online application. You can fill out our online form to open an account and become a member right from our website. Simply click the “Open an Account” or “Join Now” button on our site, and you’ll be guided through the process. You’ll need to provide some personal information to verify your identity (as required by the USA PATRIOT Act) – this includes your Social Security Number (or ITIN), a valid government-issued photo ID (like a driver’s license or passport), and proof of your current address. You can usually upload photos or scans of your ID documents through the application. You’ll also designate how you’re eligible (e.g., county of residence or employer). At the end, you’ll fund your new savings account (you can use a debit card or ACH from another bank, for example) with at least $5. Once submitted, our team will review and set up your membership, often the same day.
• In-Branch or By Mail: If you prefer, you can also join by visiting one of our branches in Aurora (see addresses below) and a member services representative will assist you. They’ll have you fill out a membership card and collect the $5 deposit and membership fee. You can also mail us the required forms and a check, though this is less common nowadays. Walk-ins are welcome, or you can schedule an appointment for faster service if opening multiple accounts.

3. Open the Share Certificate: Once you are a member and have a primary savings account, you’re ready to open a share certificate. Opening the certificate can be done at the same time as joining (just let us know you also want a certificate), or anytime afterward. Many new members open a certificate in the same online session as opening membership – our online account opening portal will give you that option (for example, you can choose to add a share certificate and select the term and amount during the process). If you’re an existing member, you can open a new certificate through online banking, or by calling or visiting us. To fund the certificate, you’ll transfer money from your share savings or checking into the new certificate. You can do this by moving money from another account you have with us (e.g., if you have $5,000 sitting in savings, you can transfer it into a 12-month certificate). If the money is coming from another financial institution, you can bring a check or do an ACH transfer into your Fitzsimons savings first, then into the certificate. The minimum deposit for any share certificate is $500, but you can certainly deposit more – you might decide to open multiple certificates with different term lengths (this is called a certificate ladder, see below). Our team can help set everything up according to your wishes.

During the account opening, you’ll be asked to choose the term (e.g., 6-month, 12-month, 36-month, etc.) and you’ll be informed of the current dividend rate/APY for that term. You’ll also decide what to do with dividends – the default is to compound them in the certificate, but you could elect to have dividends paid to another account monthly (if, say, you want interest deposited to checking for income). You’ll sign an agreement that you understand the early withdrawal penalties and that the account will automatically renew at maturity unless you direct otherwise. Once opened, you’ll receive a confirmation of your new share certificate, including the maturity date and all the details.

4. Enjoy Earning & Manage Your Certificate: After opening, your work is basically done – now just watch your savings grow! You can monitor your certificate through online banking or our mobile app at any time. We’ll credit dividends to it monthly, and you’ll see your balance increase as interest accumulates (or you’ll see the dividends paid to your other account if you chose that option). Managing a certificate is minimal effort: you generally cannot add additional deposits to the same certificate during its term (except for special IRA certificate provisions allowing small add-ons), so if you find you have more money later, you might open another certificate or use your savings account until the original certificate matures. If you need to withdraw before maturity, contact us to discuss penalties (see FAQ on early withdrawal). Otherwise, roughly a month before the term is up, we will send you a notice of impending maturity. At that point, you can decide whether to let it renew automatically or to make changes. If you want to add funds, withdraw some funds, or change to a different term, the maturity is the time to do that (during the grace period after it renews, you can also adjust without penalty).

Required Documents & Information: To summarize, here’s what you’ll generally need to open a membership and certificate with Fitzsimons:

• A valid ID (driver’s license, state ID, passport, or military ID).
• Your Social Security Number (SSN) or ITIN.
• Proof of address (if your ID doesn’t have your current street address, provide a utility bill or similar document showing your name and address).
• If joining through an employer or association, some proof of that (not usually necessary for the community charter, since residence is enough).
• A way to fund your new account (credit/debit card or routing/account number from another bank, or cash/check in branch).
• $5 for the membership savings and $500 (or more) for the certificate deposit.
• If applying online, an email address and the ability to e-sign documents.

Fitzsimons uses secure encryption for our online applications, and any personal data is protected. If you open accounts in person, we’ll simply photocopy your IDs and have you sign the forms.

Online vs. In-Person: You have both options, and it really comes down to your preference. Opening online is fast and convenient – you can do it from home 24/7. However, if you have questions or prefer personal assistance, our Aurora branch staff are more than happy to help you through the process. We even have private offices where you can sit down with a rep who will explain everything and take care of the paperwork. Either way, you’ll be a valued member-owner of Fitzsimons at the end! If you start online and hit a snag, you can always call us or visit to finish the process.

Once your share certificate is open, you’ll start earning dividends right away. We are excited to welcome new members and help current members make the most of their money through our certificate program. If you have any questions about eligibility or opening accounts, please don’t hesitate to reach out – we’re here to make it easy for you to join and save with Fitzsimons.

(Membership is required to open any account. Membership at Fitzsimons involves a one-time $5 fee and a minimum $5 deposit into a share savings account. All accounts are subject to our standard account agreements and Truth-In-Savings disclosures.)

Why Choose Fitzsimons for Share Certificates?

You might be wondering: “There are other banks and credit unions in Aurora – why should I open my CD (share certificate) with Fitzsimons Credit Union?” We believe we offer an unbeatable combination of benefits that make us the best choice for your share certificates. Here’s what sets Fitzsimons apart and why so many Aurora residents entrust us with their savings:

• 💰 Superior Rates and Returns: Fitzsimons is committed to giving our members the best possible rates on savings. As a not-for-profit cooperative, we return earnings to our members in the form of higher dividends. That’s why our share certificate rates are consistently competitive and often higher than what you’ll find at big banks. We’re not trying to generate profit for shareholders – our shareholders are you, the member! When you invest with us, more of that return stays in your pocket. In fact, we focus on “providing you with the best possible rates, lowest fees, and innovative savings programs designed to build your wealth.” If you compare APYs, you’ll see Fitzsimons certificates typically out-earn similar term CDs at national banks, especially once you consider we charge no fees. We are transparent about our rates (check our website’s Rates page anytime) and you’ll always know exactly what you’ll earn.
• 🤝 Member-Focused Service: At Fitzsimons, you’re not just another customer – you’re a member-owner and part of our community. Our staff takes pride in offering personalized, friendly service. When you call or visit about opening a certificate (or any account), you’ll talk to real people who genuinely care about your financial success. We’ll listen to your goals and help tailor solutions, whether it’s structuring a ladder of certificates or choosing the right term. This kind of one-on-one guidance and relationship banking is something large corporate banks often can’t match. We routinely get feedback that “it feels like family” at Fitzsimons. Our team will remember your name, celebrate your milestones, and be there to answer questions. We’re based right here in Aurora, so you’re dealing with locals who understand the community. Our mission is to partner with you over the long term – many members have been with us for decades and trust us with multiple accounts, loans, and more. That trust is built on our consistent, caring service.
• 🌆 Local Commitment and Community Impact: Choosing Fitzsimons means your money stays working in the local community. We reinvest deposits in loans to other local members – helping a neighbor buy a home or a car, for example. Your savings literally help fund community growth (while earning you interest). Furthermore, we actively engage in community initiatives. We support local charities, financial education programs, and civic events in Aurora. Our credit union has received accolades for serving the underserved and supporting community development. We’ve maintained the Juntos Avanzamos designation for outreach to the Latinx community, and during challenging times (like the 2020 pandemic) we provided emergency loans to help those in need. This is a level of community commitment that big banks simply don’t have. By banking with Fitzsimons, you’re banking local and your support enables us to give back more to Aurora. It’s a virtuous cycle – “when you bank with a not-for-profit local institution, you help support local organizations as well as help other members access affordable loans and great interest rates.” We call ourselves “a partnering credit union” because we view our members as partners in improving our community, together.
• 👍 Proven Track Record and Trustworthiness: Fitzsimons Credit Union has been serving Aurora since the 1950s – that longevity speaks to our reliability and trust. We’re federally insured and regulated, with a strong record of safety and soundness. We were honored as the 2021 Credit Union of the Year in our region, showing that our peers recognize our excellence. Our members’ testimonials say it best – they highlight our professionalism, consistency, and the feeling of security they have with us. Unlike some institutions that might push you into products that aren’t right for you, we operate as your financial advocate. We won’t upsell unnecessary services; we will recommend what truly benefits you. If a share certificate is the right move, we’ll help you pick the best term and plan. If not, we’ll tell you honestly. This ethical, member-first approach builds trust. When your certificate matures, we’ll be there to assist with next steps. If you ever have an issue, our management is accessible. In short, we have the trust of thousands of Aurora members – and we’d be honored to earn yours as well.
• 🏦 Competitive vs. Banks and Others: Let’s address the competition directly. Big national banks often offer CD rates that are significantly lower than credit union rates. They also tend to require higher minimum deposits for their best rates. With Fitzsimons, you get top-tier rates with just $500 to start. Plus, at many banks you’ll get hit with fees (for example, some banks charge an annual fee or require a checking account to avoid fees on CDs). We charge no fees and have no such requirements Additionally, when you call a big bank for help, you might end up in an endless phone tree or speaking with someone across the country who doesn’t know you. At Fitzsimons, you call our Aurora number and get friendly local assistance right away. Online banks may have good rates, but they lack physical presence and personal service – with Fitzsimons you get great rates and face-to-face support at our branches. We also participate in shared branching, which even many online banks can’t offer, so you have more flexibility accessing your money. Other local credit unions or community banks: While we respect our peers, we strive to stay a step ahead by offering a combination of rate, service, and convenience that’s hard to beat. We often survey our competitors’ offerings and we set our rates accordingly to ensure we remain a top choice. And remember, as a Fitzsimons member, you’re an owner – you have a say (at our annual meetings, etc.), and our success is your success. That’s not something you’ll get with a bank down the street. Bottom line: people should choose Fitzsimons because we genuinely prioritize our members’ financial well-being over profit. We prove it with higher returns on savings, lower loan rates, attentive service, and community give-back.
• 📣 Testimonials & Member Experiences: Don’t just take our word for it – our members are our best ambassadors. We already shared Charles G.’s sentiment of sticking with us for 40 years. Here’s another quick testimonial from a long-time member, Charles M.: “Been with Fitzsimons Credit Union for so long it feels like family.” Many members mention that they appreciate our helpful staff and the ease of doing business here. We invite you to check out reviews and see the consistency of experiences – people often highlight that we go above and beyond to help them reach their goals. This article you’re reading is one example of how we aim to educate and assist our members (and potential members) to make the best financial choices.

In summary, Fitzsimons Credit Union offers the whole package: highly competitive rates to grow your money, a local and personal touch in service, a trustworthy and insured place for your funds, and the knowledge that your banking choice benefits the Aurora community. We know you have options for where to put your savings, and we continually work to earn your business by being better – better rates, better service, better values. When you choose Fitzsimons for your share certificates, you’re choosing a partner that genuinely wants you to succeed. We take pride in helping our members achieve milestones, whether it’s buying that first home (with savings from a maturing certificate) or simply enjoying a more comfortable retirement due to the extra interest earned along the way. We hope you’ll join the Fitzsimons family and see why so many in Aurora trust us for their financial needs.

Share Certificate Calculator

Wondering how much your savings will grow in a Fitzsimons share certificate? We’ve got you covered! Our website features an interactive Share Certificate Calculator that makes it easy to project your earnings. This tool is a great way to plan and compare different scenarios before you even open an account. Here’s how it works and how you can use it:

Using the Certificate Calculator: Simply navigate to the Certificate of Deposit Calculator on our site (located under Financial Calculators). You’ll be prompted to enter a few key pieces of information:

• Deposit Amount: How much money do you plan to put into the certificate?
• Term (Months or Years): How long will the money stay in the certificate? You can adjust the term to any of our available options (3, 6, 12, 24, 36, 48, 60 months, etc. – or any number of months for calculation purposes).
• Annual Interest Rate (APY): Input the Annual Percentage Yield for the certificate. If you’re not sure, you can use our current rate for the term you’re considering – for example, if the 12-month certificate APY is 3.00%, enter 3.00. (If you’re looking at a promotional rate like 4.00%, enter 4.00).
• Compounding Frequency: The calculator may have this preset to monthly for CDs (since our certificates compound monthly). Ensure it’s set to monthly for an accurate result with Fitzsimons’ terms.

Once you input those, hit calculate, and the tool will display results including the total amount your certificate will be worth at maturity and the total interest earned. This gives you a dollar figure to expect after the given time.

Example Scenarios: To illustrate, here are a couple of hypothetical scenarios:

• Example 1: You deposit $5,000 into a 12-month share certificate at an APY of 4.00% (just as an example rate). Over one year, you would earn approximately $5,000 * 4.00% = $200 in interest. The calculator would show an ending balance of around $5,200 (assuming monthly compounding, the actual would be a few dollars higher than $5,200 due to compounding). So in one year, your $5k grows by $200 – far more than the few dollars you’d get in a regular savings account for the year.
• Example 2: You put $10,000 into a 5-year (60-month) certificate at, say, 2.50% APY (again hypothetical). Using monthly compounding, by maturity you’d have roughly $11,320. That’s $1,320 in earnings over 5 years. The calculator would break down year by year how the interest accrues. You’d see that even if the rate seems modest, over time the compound effect is significant. If rates are higher, the earnings would of course be correspondingly more.
• Example 3: Maybe you’re considering splitting funds into multiple certificates. You could use the calculator for each portion. For instance, if you have $15,000 total, you might test $5k in a 1-year, $5k in a 2-year, and $5k in a 3-year. The calculator can help estimate what each chunk yields, and then you can add them up to see total growth after 3 years, in this laddering strategy.

The beauty of the calculator is you can adjust the numbers easily – try different deposit amounts or terms to see how it impacts your earnings. This can help you decide, for example, whether a longer term is worth the wait, or how much extra you’d earn by adding an additional $1,000 to your deposit.

Laddering Strategy: The mention of multiple certificates leads to a quick tip – many members use a certificate ladder strategy to optimize liquidity and yield. This means instead of placing all funds in one long certificate, you spread them across multiple terms that mature at different times. For example, open 1-year, 2-year, 3-year certificates of equal amounts. In one year, when the 1-year matures, you reinvest that into a new 3-year. Then each year you’ll have one maturing (3-year) certificate to either use or reinvest. This way you regularly access part of your money and always have a longer-term high rate going. Our calculator can help model this by looking at each “rung” of the ladder individually. We’re happy to advise on laddering as well – it’s a great approach to balance access and high rates.

Plan Your Savings Goals: Whether you’re saving for a specific goal (e.g., a wedding in two years, down payment in five years, or a child’s college fund in 10 years using our IRA certificates) or just building general wealth, the certificate calculator gives you a concrete idea of what to expect. It can be motivating to see that, for instance, “If I save $500 a month into CDs for the next 3 years, I’ll have X dollars by the end.” Some members use it to decide how much to allocate to certificates versus keeping in liquid savings.

To find the calculator, you can go to our Financial Calculators section on the Fitzsimons website and select “Certificate of Deposit Calculator”. It’s free to use and you don’t have to be logged in or a member to try it out. Feel free to play with different scenarios. And of course, if numbers aren’t your thing or you want a second pair of eyes, our financial service representatives can go over calculations with you and help you make a plan.

In summary, the share certificate calculator is a handy tool to visualize your savings growth. It reinforces the benefit of the higher rates you get with share certificates and helps you make informed decisions. Give it a try – you might be pleasantly surprised to see how much your money can grow with Fitzsimons’ competitive certificate rates. We believe in empowering our members with knowledge and tools, and this calculator is one way we do that. Watch your potential earnings stack up, and then take the next step to open a certificate and make that potential a reality!

Frequently Asked Questions

You may still have some questions about how Fitzsimons share certificates work. Below we answer some of the most common questions we hear. If you have a question not covered here, please check out our full FAQ page or contact us – we’re happy to help clarify any details.

Q: Is there a penalty for withdrawing my money early?
A: Yes, if you withdraw funds from a share certificate before the maturity date, an early withdrawal penalty will typically apply. The penalty is usually a portion of the interest (dividends) that would have been earned. At Fitzsimons, the standard penalty schedule is:

• For certificates with terms of 6 months or less: a penalty equal to 90 days’ worth of dividends (interest).
• For certificates with terms of 12 months or longer: a penalty equal to 180 days’ worth of dividends.

This means if you had a 1-year certificate and you cash out early, you forfeit about 6 months of interest as a penalty. If you had a 3-month certificate cashed out early, ~3 months of interest would be forfeited (which effectively could eat most of the interest). The penalty is taken from the interest accrued; if you haven’t accrued enough (or if you already withdrew the interest), it can be taken from the principal if necessary. Important: Early withdrawal penalties can reduce your principal if the accrued interest isn’t sufficient. In practice, if you close a certificate very early, you might lose some of your initial deposit to the penalty – so it’s best to avoid breaking the certificate unless truly necessary.

There are some exceptions where we may waive the penalty – for example, in the event of the account holder’s death or if the owner is declared legally incompetent, we will allow an early closure without penalty. Also, if we offer a special promotion that explicitly allows a one-time withdrawal or bump-up (some institutions do this), the terms of that promotion would specify it. But generally, plan on leaving your money in for the full term to avoid penalties.

In summary, yes, there is a penalty for early withdrawal on share certificates (as is standard with all CDs). Make sure you won’t need the funds, or if you might, consider choosing a shorter term or opening multiple smaller certificates so you can access one without touching the others. If an emergency comes up, we understand – you can withdraw early; just be aware of the penalty. We’ll always be transparent about how much the penalty is at that point in time so you can make an informed decision.

Q: How are dividends (interest) paid on the certificate?
A: Dividends on Fitzsimons share certificates are compounded monthly and credited monthly to your account balance. By default, we add the earned interest to your certificate each month, which means the interest itself starts earning more interest (this is compounding). However, you have an option to change how dividends are paid:

• You can elect to have the dividends paid out to you instead of retained in the certificate. For example, you might have the monthly interest transferred to your regular savings or checking account. This gives you a stream of income from the certificate, which can be nice if you are using it as a supplement to your budget (common for retirees who invest in certificates for steady income). If you choose to have dividends paid out, your certificate will not compound – you’ll just receive the interest as cash flow, and the principal will remain the same until maturity.

At account opening, we’ll ask your preference. If not specified, it will compound by default (which maximizes your APY). Changing your mind is possible too – just let us know if you want to start receiving the interest payouts or if you want to switch back to compounding.

Regardless of the method, dividends are calculated on your daily balance (this is how we accrue interest) and then posted each month on the same date. You’ll see it on your statement or online banking as an interest credit. There is no penalty or fee to have dividends paid out regularly – it does not count as an early withdrawal when we transfer your earned interest to another account. Penalties only apply if you break into the principal before maturity. So feel free to use the interest as you wish: reinvest it, withdraw it, or spend it – it’s your earnings. Many members just let it compound to grow their savings faster, while some love seeing that deposit hit their checking monthly for fun money or bills. The choice is yours.

Q: What happens when the certificate matures? Can I renew it?
A: When your share certificate reaches its maturity date (the end of the term), you have a few options:

• Automatic Renewal: By default, Fitzsimons will automatically renew your certificate into a new certificate of the same term length at the current rate available. For example, if your 12-month certificate matures on April 1, we’ll roll those funds into a new 12-month certificate starting April 2 at whatever our 12-month rate is on that date. This ensures your money continues to earn interest without interruption. You will receive a Renewal Notice detailing the new term and rate.
• Grace Period for Changes: After renewal, there is a grace period (typically 7 calendar days from the renewal date) during which you can make changes without penalty. During this short window, you can contact us to withdraw funds, add additional funds, or change the term and we will adjust accordingly with no early withdrawal fee. If you do nothing during the grace period, the certificate will continue on with the new term.
• Cash Out or Transfer at Maturity: If you prefer not to renew the certificate, you can choose to close it at maturity. We can transfer the full balance (principal + interest) into your savings, checking, or issue you a cashier’s check, etc. This can be done on the maturity date or within the grace period after automatic renewal. There is no penalty for closing at maturity (of course, since you fulfilled the term). If you know ahead of time you want to cash out, you can let us know and we’ll ensure it doesn’t auto-renew.
• Change Term or Type: You might decide at maturity that you want a different term for the next cycle – maybe you had a 6-month but now want to switch to a 24-month for a better rate, or vice versa. During the grace period, we can easily move your funds into a different certificate term of your choosing (at the current rate for that term). If rates have changed, you might strategize at that point whether to go longer or shorter. We can also roll it into a different account type (for example, some members at maturity move money into an IRA or a money market, depending on needs).

For promotional certificates, the renewal might be into a different term as specified in the promo terms. For instance, our special 7-month certificate will renew into a standard 6-month term, as we noted earlier. Another example: a 26-month promo might renew into a 24-month standard term (or 30-month for an IRA certificate). The idea is we’ll find the closest regular term to transition you to. All of this will be described in the disclosures of the promotion and on your maturity notice.

We try to make the maturity process smooth and in your control. You will get a notice in advance (at least 30 days prior for longer terms) so you have time to consider what to do. If you ever feel unsure, just give us a call when your certificate is coming due – we’ll be happy to review options and current rates so you can make the best choice for your money at that point.

Q: Can I add more money to my certificate or open multiple certificates?
A: Generally, once a share certificate is opened, you cannot add additional money to that same certificate until it matures (additional deposits are “Not Allowed” during the term). The deposit amount you start with will remain the principal for that term. If you find you have extra funds, you have two main options:

1. Open a new, separate certificate for the new funds (you can have multiple certificates running concurrently – there’s no limit).
2. Wait until your existing certificate matures, then combine the new funds with it upon renewal into a larger certificate.

One exception is with IRA Certificates (and ESA Certificates) – because of annual contribution limits to IRAs, we do allow certain IRA certificate terms (6 and 12 months) to accept ongoing contributions as low as $25 during the term. This is to accommodate folks who contribute each payday to an IRA CD. But for regular share certificates (non-IRA), no additions can be made mid-term.

Opening multiple certificates is very common. In fact, as mentioned, a certificate ladder strategy involves holding several certificates of staggered terms. You might open, say, four $2,500 certificates instead of one $10,000 certificate. This gives you more flexibility if you ever need to break one (you could break just one and only incur penalty on that portion, rather than touching the whole amount). Fitzsimons makes it easy to manage multiple certificates – each will appear separately in your online banking with its own term and maturity date.

So, while you can’t top up an existing certificate along the way, you can always start a new one with additional savings you accumulate. Our low $500 minimum helps make that feasible even for smaller amounts. We have members who open a new 6-month certificate every few months with extra savings – eventually they end up with a series of certificates maturing at different times (again, a ladder approach).

Q: Are my certificate accounts insured and safe?
A: Yes! All Fitzsimons share certificates are federally insured by the NCUA (National Credit Union Administration), which is the credit union equivalent of FDIC insurance for banks. Your certificates are covered up to at least $250,000 per account owner, and in many cases more if you have different ownership categories (e.g., joint accounts, IRA accounts). This insurance is backed by the U.S. Government. In plain language, this means the money you deposit in share certificates is 100% safe – even in the extremely unlikely event of any issue with the credit union, your funds are protected. Fitzsimons Credit Union is a financially sound institution, but having that NCUA insurance is an extra layer of security and peace of mind. We often remind our members: “Your deposits are federally insured up to $250,000 through the NCUA… and in some cases, like joint accounts and IRAs, your total insurance may go up to $500,000.”. You can refer to our NCUA Insurance page or the NCUA’s website for details on how coverage works. If you happen to have more than the insured limit with us and want to ensure every dollar is insured, talk to us – we can guide you on structuring accounts (for example, using joint ownership or trust accounts) to maximize coverage. But for the vast majority of savers, the standard coverage is more than enough. Rest assured that when you open a share certificate at Fitzsimons, you’re not only getting a great return, but your principal and earned interest are guaranteed safe by federal insurance.

Those are some of the frequently asked questions. If you have others – for instance, about how IRAs differ, or how to designate beneficiaries on your accounts, or anything else – please reach out. We have a comprehensive FAQ on our site and our staff is always ready to answer your questions by phone or in person. We want you to feel fully comfortable and informed when you invest your money with us.

Contact & Branch Information

We invite you to get in touch with us or visit one of our branches for any assistance, to open accounts, or just to meet our friendly team! Below is our contact information and branch location details for your convenience:

Fitzsimons Credit Union – Anschutz Branch (Main Office)
Address: 2201 N Fitzsimons Pkwy, Aurora, CO 80045
This branch is located near the Anschutz Medical Campus (just north of Colfax Ave and east of I-225). It’s easily accessible from N. Fitzsimons Parkway and has ample parking. This is our main office and headquarters.

Hours: Monday – Friday: 8:30 AM – 5:30 PM; Saturday: 9:00 AM – 1:00 PM (Drive-up teller service and ITMs may open slightly earlier/stay later; please check our website or call to confirm any updated hours). We are closed on Sundays and federal holidays.
Phone: (303) 340-3343 (local)
Services: Full-service branch with lobby and drive-up, new account opening, consumer loans, mortgage consultations, business services, notary service, safe deposit boxes, ATMs on-site, and more.

E-Branch (Online Service Center): While not a physical location, our “E-Branch” is essentially our online/phone branch. You can accomplish almost everything remotely:

• Phone Support: Call us at (303) 340-3343 during business hours (M-F 8:00 AM – 6:00 PM, Sat 9:00 AM – 1:00 PM) to speak with our Member Services team for help with accounts, loan applications, or any questions.
• Email: You can email us at info@FitzsimonsCU.com and we will respond promptly (never include sensitive account numbers in email, though).
• Online Banking & Mobile App: Access your accounts 24/7, open additional accounts, transfer funds, deposit checks, and more through our secure online banking platform and Fitzsimons mobile app.
• Live Chat: Check our website for a live chat feature during certain hours for quick questions.
• Appointments by Video/Phone: We can also arrange consultations by video call or phone appointment if you prefer not to come in. Use our online scheduler to set up a time.

Schedule an Appointment: For your convenience, you can schedule an in-person appointment at the branch via our website. This is especially useful if you want to meet about something that might take time, like opening multiple accounts, discussing a loan, or getting financial advice. By scheduling, you ensure minimal wait – you’ll have a dedicated representative ready for you. Of course, walk-ins are always welcome for everyday transactions or quick needs.

Driving Directions & Map: On our website’s Branches & ATMs page, you’ll find an interactive map where you can get driving directions to our locations. Simply click on the branch name and select “Directions” to input your starting address. Both branches are easy to reach:

• For Anschutz: If coming via I-225, exit at Colfax Ave, go east and then north on Fitzsimons Pkwy.

Contacting Us: Here are some quick contact references:

• Main Phone: (303) 340-3343 (local). Toll-Free: (800) 933-5839. During business hours you’ll reach our member call center. After hours, you’ll get an automated system (with options to report lost cards, etc.).
• Email: info@FitzsimonsCU.com. (For secure inquiries, use the contact form on our site or online banking secure messaging.)
• Fax: (303) 577-7850 (for sending documents if needed).
• Mailing Address: All mail correspondence should be sent to our main office at 2201 N. Fitzsimons Pkwy, Aurora, CO 80045.
• Website: www.FitzsimonsCU.com – find information, online banking login, and more.
• Social Media: Follow us on Facebook, Instagram, Twitter, and LinkedIn for news, financial tips, and updates on promotions. We often post announcements like special rates (e.g., our 4.00% APY promo) on social channels as well.

Need Help? If you have any questions about share certificates or any service, don’t hesitate to reach out. Our representatives are ready to assist by phone or in person. We can guide you through opening accounts, walk you through using the certificate calculator, or even review your overall financial picture to suggest solutions. There’s a reason we emphasize that we’re “Your team, right here in Aurora” – we really are here for you, just around the corner or a phone call away.

Lastly, if you ever encounter an issue like a lost or stolen card, remember to contact us immediately (we have a dedicated line for lost cards on our site). And for general FAQs or quick answers, check the FAQ section on our contact page – you might find instant answers at your fingertips.

We look forward to seeing you at one of our branches or hearing from you!

(Federally insured by NCUA. Branch hours subject to change; check our website for the latest updates especially around holidays. Appointment scheduling is available online. When emailing or calling, never share full account numbers or SSN for security. Our staff will verify your identity through secure methods.)

Legal and Regulatory Disclaimers

Fitzsimons Credit Union is dedicated to transparency and compliance. Please review these important notes and disclosures regarding our share certificates and services:

• NCUA Insurance: Your Fitzsimons deposits are federally insured by the NCUA up to $250,000 per depositor, per ownership category. This means your share certificates (and other deposits) are safe and backed by the U.S. Government. In certain cases (such as joint accounts, IRAs, trusts), you may obtain additional coverage beyond $250K. For details or to calculate your coverage, visit the NCUA’s share insurance estimator or ask us for assistance. Fitzsimons Credit Union is proud to be a financially sound institution and federally insured – you can save with confidence knowing your money is protected.
• Rate and Term Changes: All rates, APYs, terms, and conditions mentioned in this article (and on our website) are subject to change at any time, without prior notice. While we strive to keep our published rates current, market conditions or policy decisions can result in updates. The promotional 7-month APY, for example, is a limited-time offering and may not be available after the expiration date. Always double-check our current rates (either online or by contacting us) before making a final decision. We also reserve the right to withdraw any offer or special promotion at our discretion. Once you open a share certificate, however, the rate is locked in for that term (fixed rate). If we quote you a rate and you fund a certificate, that agreed rate will remain in effect until maturity (unless you close the certificate early, in which case early withdrawal penalties apply).
• Membership Requirement: Share certificates and other accounts at Fitzsimons are available only to members of the credit union. Membership eligibility requirements apply as described above (community field of membership in Adams, Arapahoe, Denver Counties, or other qualifying relationship). You must open a primary share savings account and maintain a $5 par value share to be a member. A one-time membership fee of $5 may also apply. If for any reason you cease to be a member (e.g., you close your primary share account), you may not be able to maintain other accounts including certificates. In practice, this just means keep your $5 savings open – which of course you would if you’re investing in certificates with us. All accounts are subject to our standard Membership and Account Agreement, which details the rights and responsibilities of both the member and the credit union.
• Truth-in-Savings Disclosure: Our share certificates operate under specific terms and conditions that are fully detailed in our Truth-in-Savings Disclosure and related addendums. This disclosure covers how dividends are calculated, compounding frequency, minimum balances, transaction limitations, renewal policies, and penalty specifics. When you open a certificate, you will receive a copy of this disclosure. We encourage members to review it to understand all features of their account. Key points from the disclosure were highlighted in this article (such as the early withdrawal penalty schedule and compounding rules). If anything in the disclosure differs from what’s in this article, note that the official disclosure governs (though we strive for accuracy here, of course).
• Fee Schedule: While share certificates have no maintenance fees, other fees (like for ancillary services) are outlined in our general Fee Schedule, available on our website and at our branches. For example, fees for wire transfers, check copies, etc., are listed there. None of those would normally affect your certificate earnings, but it’s good to be aware.
• Early Withdrawal and Penalty Acknowledgment: By opening a share certificate, you acknowledge that you understand the funds are intended to remain on deposit for the term and that early withdrawal will incur a penalty (as detailed in the Truth-in-Savings). We want to be clear so there are no surprises if you request an early closure. We will obtain your agreement on this at account opening. There are rare emergency circumstances where we might waive or reduce penalties (mentioned earlier, like death of the owner, or if we offer a special one-time penalty-free withdrawal feature on a promotional certificate – none are in effect currently unless explicitly stated).
• IRAs and Tax Considerations: If your share certificate is an IRA Certificate, keep in mind that IRS rules on contributions and withdrawals also apply. Interest earned on IRA certificates is tax-deferred (for Traditional IRAs) or tax-free (for Roth IRAs, if qualified). However, early withdrawal of IRA funds before age 59½ might result in IRS penalties separate from our credit union penalties. Fitzsimons is not a tax advisor, so consult a tax professional for guidance on IRA withdrawals or contributions. We do provide IRA disclosure statements upon opening an IRA. The IRA certificates we offer follow the same dividend and penalty structure as regular certificates, but the IRS may have additional restrictions.
• Account Ownership and Beneficiaries: Be sure your account ownership and beneficiary designations are up to date. All certificate accounts will follow your account’s designated beneficiaries or POD (Payable on Death) instructions if you have them on file. If you want to name specific beneficiaries for your accounts, we have forms for that. This ensures that in the event of an untimely passing, your funds go directly to the intended person(s) without probate. As noted, if an account owner dies, the early withdrawal penalty is waived for closing the certificate (the certificate would be closed and paid out to the beneficiary or estate without penalty). It’s a sensitive topic, but we mention it to reassure you that your loved ones wouldn’t be penalized in that situation.
• Important: U.S. Patriot Act Compliance: When opening an account, we will verify your identity as required by law. This means you’ll provide identification documents and information (we mentioned this in the How to Join section). This is to prevent fraud and terrorism financing – all financial institutions must comply. The language in our disclosures states that we will record information and documentation to confirm identity. It essentially boils down to: we’ll ask for your ID and possibly other identifying info – which is standard procedure and for your protection as well.

We know legal disclosures can be a bit dry, but we want to make sure you’re fully informed. If you have any questions about these terms or any fine print, please ask! Our goal is no surprises – other than the good kind, like seeing your savings grow faster than you expected. 😀

In summary, Fitzsimons Credit Union operates under federal regulations and we are transparent about our account terms. Your funds are safe and the rules are clear. We encourage all members to read the account disclosures provided and keep them for reference. And remember, “Federally insured by NCUA” isn’t just a tagline – it’s an assurance of the security of your money.

Ready to take the next step?

Fitzsimons Credit Union is here to help you put your savings plan into action. We have a number of convenient ways for you to get started or deepen your relationship with us. Consider this your gentle nudge – or as we like to say, an invitation – to make the most of what you’ve learned:

• Open a Share Certificate Today: If you’re excited about the benefits of our share certificates, don’t wait – open an account now and lock in a great rate! It’s easy to get started. You can click the “Open an Account” or “Apply Now” button on our website to begin the process online. Whether you’re a new member joining or an existing member adding a certificate, our online application will guide you step by step. Prefer personal assistance? No problem – give us a call or visit a branch and simply say you’d like to open a share certificate. Our staff will handle the rest and answer any last-minute questions. Starting a certificate takes just minutes, and you’ll be on your way to earning higher dividends immediately. OpenYourShareCertificate➜OpenYourShareCertificate➜ (Imagine this as a big button on our site).
• Schedule a Consultation: Not sure which term to choose or how a certificate fits into your financial plan? We’re here to help. Schedule an appointment with one of our Member Service Representatives for a no-obligation financial checkup. We can review your goals and help map out a savings strategy (like a certificate ladder, or balancing savings vs. paying off debt, etc.). We can do this in person or over the phone. Sometimes a 15-minute conversation can provide a lot of clarity and confidence. ScheduleAppointment➜ScheduleAppointment➜ (This link on our site lets you pick a branch, date and time). We love partnering with our members to craft the best solutions.
• Learn More / Get Info Pack: If you’d like to digest the information offline or share it with a spouse or family member, you can download a PDF of this article or a summary brochure about Fitzsimons share certificates. We have a print-friendly version available for your convenience. Feel free to print it out or save it. Additionally, our website’s “Rates” page lists all current rates for easy reference, and our FAQs and disclosures are available if you want to dive deeper into details. Knowledge is power – we provide these resources so you can make informed decisions at your own pace.
• Tell a Friend – Share the Prosperity: If you found this information useful, or if you know someone in Aurora who could benefit from higher savings rates, share this article! We have social media sharing buttons on this page – you can quickly post it to Facebook, Twitter, or send a link via email. Spreading the word about Fitzsimons helps your friends and family discover a better banking option. Plus, we often have referral bonuses (like our Refer-a-Friend promo) where both you and the new member can earn a cash bonus for joining. So it quite literally pays to share. Help your loved ones earn more on their savings by introducing them to Fitzsimons.
• Explore More Products: While you’re here, remember that Fitzsimons is a full-service financial institution. Our great rates don’t stop at certificates – we also offer high-yield checking accounts, money market accounts, auto and home loans, credit cards, and more, all with the same member-first philosophy. If you have other financial needs, check out those sections on our website or ask us. We often have specials, like auto loan refinancing deals, that could save you money. A share certificate could be just the beginning of a fruitful relationship with us as your primary financial partner.
• Connect With Us: Stay in the loop on the latest rates, promotions, and financial tips by following Fitzsimons Credit Union on social media and subscribing to our newsletter. We frequently post updates (for example, if we launch a new certificate special, we announce it on Facebook/Instagram). We also share educational content to help you get ahead financially. Join our community online to make sure you never miss an opportunity to earn more or save more.

Finally, we encourage you to take action on your savings goals today. The sooner you start a share certificate, the sooner your money starts working harder for you. Even if you start small, the important part is to start. We’re here to support you every step of the way. From opening your account, to answering questions during the term, to celebrating with you when you reach that goal – Fitzsimons Credit Union is your financial partner.

Ready to secure your savings and earn more? Open a Fitzsimons share certificate now and give your money the opportunity to grow safely and steadily. Your future self will thank you!

(Open to membership eligibility. APY = Annual Percentage Yield; rates subject to change. Contact us for the most current offers. Share the love – refer a friend and you could each get rewarded! We appreciate your membership and look forward to helping you succeed.)

Closing

At Fitzsimons Credit Union, we take pride in being more than just a place to put your money – we’re your neighbors, your financial guides, and your partners in prosperity. As an Aurora-born institution, our commitment to this community runs deep. We hope this comprehensive guide has shown you not only the ins and outs of our share certificates, but also the values and service that come with being part of the Fitzsimons family.

In summary, share certificates are a fantastic tool to secure and grow your savings, and there’s no better place in Aurora to open one than Fitzsimons Credit Union. With our history of trust, competitive rates, and member-focused approach, we offer the ideal environment for your money to flourish. Whether you’re saving for a big purchase, building an emergency cushion, or planning for retirement, we have a share certificate that can help you reach that goal with confidence. And you’ll do so while enjoying the personal touch and peace of mind that come from banking with a local not-for-profit institution that genuinely cares about your success.

We invite you to visit us or get in touch and take the next step. Come see us at our branches – have a cup of coffee, meet our team, and let’s talk about what you’re saving for. Or, if you prefer, call or connect with us online and we’ll assist you right away. We’re here to answer your questions and make the process smooth and rewarding.

Your future matters to us. Every dollar you save is a dollar toward your dreams, and our mission is to help those dollars grow safely and smartly. When you choose Fitzsimons, you’re not only earning more – you’re also supporting a community institution that reinvests in Aurora. Together, we’re strengthening our community one member at a time, one savings account at a time.

So, let’s get started! Secure your savings with a Fitzsimons share certificate today. Whether it’s opening your first certificate or adding another rung to your ladder, we’re excited to help you make it happen. Thank you for considering Fitzsimons Credit Union – we truly appreciate the opportunity to serve you.

We look forward to welcoming you as a member (if you’re not one already) and celebrating your savings milestones with you. Here’s to a future of financial growth and security, together with Fitzsimons Credit Union!

Visit us, call us at (303) 340-3343, or apply online – and let’s partner for your financial success in Aurora and beyond.