Low Minimum Deposit*
Flexible Terms
Federally Insured to At Least $250,000
Guaranteed earnings - on your terms.
Share certificates offer fixed interest on your savings over a set term, regardless of market fluctuations. Choose from our Term Certificate or Wealth Builder Term Certificate to enjoy the highest earnings of all our savings accounts with zero risk.
Lock in rates with a Term Certificate.
Flexible terms, tiered rates
A Term Certificate has flexible terms to help your reach your savings goal.
- Open with $1,000
- 3-month to 5-year terms
- Tiered rates
Start your savings plan with a Wealth Builder Term Certificate.
9-month term, low minimum deposit
A Wealth Builder Certificate simplifies how you earn over your term.
- Open with just $50 (with Direct Deposit or Payroll Deductions)**
- 9-month term
IRAs are tax-deferred savings accounts that help you save toward your retirement with terms that work for you.
Certificate and IRA Rates
|
Minimum Balance
|
Dividend /Yield
|
3 Mos.
|
6 Mos.
|
1 Year
|
18 Mos.
|
2 Year
|
3 Year
|
4 Year
|
5 Year
|
|---|---|---|---|---|---|---|---|---|---|
| $1,000 to $9,999 | Rate | 2.00% | 1.96% | 2.96% | 3.01% | 3.06% | 2.96% | 3.06% | 3.15% |
| APY | 1.65% | 1.98% | 3.00% | 3.05% | 3.10% | 3.00% | 3.10% | 3.20% | |
| $10,000 to $49,999 | Rate | 1.74% | 2.06% | 3.06% | 3.11% | 3.15% | 3.06% | 3.15% | 3.25% |
| APY | 1.75% | 2.08% | 3.10% | 3.15% | 3.20% | 3.10% | 3.20% | 3.30% | |
| $50,000 and up | Rate | 1.83% | 2.16% | 3.15% | 3.20% | 3.25% | 3.15% | 3.25% | 3.35% |
| APY | 1.85% | 2.18% | 3.20% | 3.25% | 3.30% | 3.20% | 3.30% | 3.40% |
Penalties will be imposed for early withdrawals.
Wealth Builder Term Certificate Rates
|
Minimum Balance
|
Dividend/Yield
|
9 Months
|
|---|---|---|
$50 (with Payroll Deduction) |
Rate | 1.29% |
| APY | 1.30% | |
$500 |
Rate | 1.39% |
| APY | 1.40% |
Penalties will be imposed for early withdrawals.
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First City Credit Union is a nation leading 5-star financial institution with locations across Los Angeles.
*For IRAs, the IRS has specific rules governing the amount and frequency of your contributions.
**Minimum $50 opening deposit with payroll deduction earns 1.29% rate (1.30% APY (Annual Percentage Yield); $500 opening deposit earns 1.39% rate (1.40% APY (Annual Percentage Yield) effective as of 09/11/2025 for a 9-month Wealth Builder Certificate. Membership required. Not available for corporate accounts. Funds deposited must be new money not currently on deposit with First City Credit Union. A minimum opening deposit of $500 is required to obtain the APY. Early withdrawal penalties will be imposed. Deposit balances must be maintained to maturity to obtain the APY. At maturity, unless otherwise indicated, the balance of the Certificate will automatically roll-over into a 9-month Wealth Builder Certificate at the rate currently in effect for a 9-Month Wealth Builder Certificate. Terms and conditions are subject to change without notice. Rates/yields are subject to change. Fees could reduce earnings on the accounts. The annual percentage yield and dividend rate assume that dividends remain on deposit until maturity. There is an early withdrawal penalty if you withdraw any of the funds before the maturity date. For additional terms and conditions, visit www.firstcitycu.org for more information.