Give your savings somewhere to grow.
Give your savings somewhere to grow.
Savings & Certificates Rates
Give your savings somewhere to grow.
Put a competitive rate behind whatever you’re saving for.
A new car. A rainy day. Something you haven’t even decided on yet. Financial Center offers competitive Savings and Certificate rates to help your money grow while you work toward what’s next. It’s one more way we help our members across Indiana make more of the money they’ve worked hard to save.
Savings
|
Account
|
Dividend Rate
|
APYNotice 1
|
Minimum Balance to Open
|
Minimum Balance to Collect Dividends
|
|---|---|---|---|---|
| Starter Savings | 0.05% | 0.05% | $100 | $100 |
| Hideaway Savings | 0.05% | 0.05% | $20 | $100 |
IRA Savings
|
Balance
|
Dividend Rate
|
APYNotice 1
|
Minimum Balance to Collect Dividends
|
|---|---|---|---|
| $100.00-$999.99 | 0.05% | 0.05% | $100 |
| $1,000.00-9,999.99 | 0.30% | 0.30% | $100 |
| $10,000 and above | 0.50% | 0.50% | $100 |
Tiered Money Market
|
Balance
|
Dividend Rate
|
APYNotice 1
|
Minimum Balance to Open & Earn Dividends
|
|---|---|---|---|
| $1,000.00-$9,999.99 | 0.25% | 0.25% | $1,000 |
| $10,000.00-$49,999.99 | 1.00% | 1.00% | $1,000 |
| $50,000.00-$99,999.99 | 1.00% | 1.00% | $1,000 |
| $100,000.00 - $249,999.99 | 1.98% | 2.00% | $1,000 |
| $250,000 and above | 2.23% | 2.25% | $1,000 |
Save to Win Certificate Special
|
Term
|
Dividend Rate
|
APYNotice 2
|
Minimum Balance to Open
|
|---|---|---|---|
| 12 Months | 2.96% | 3.00% | $25 |
Certificates and IRA Certificates
|
Term
|
Loyalty Level
|
Dividend Rate
|
APYNotice 2
|
Minimum Balance to Open
|
|---|---|---|---|---|
| 91 Days | Base | 0.50% | 0.50% | $500 |
| Growth | 0.75% | 0.75% | $500 | |
| Peak | 1.00% | 1.00% | $500 | |
| 6 Months | Base | 1.74% | 1.75% | $500 |
| Growth | 1.98% | 2.00% | $500 | |
| Peak | 2.23% | 2.25% | $500 | |
| 9 Months | Base | 1.74% | 1.75% | $500 |
| Growth | 1.98% | 2.00% | $500 | |
| Peak | 2.23% | 2.25% | $500 | |
| 12 Months | Base | 1.74% | 1.75% | $500 |
| Growth | 1.98% | 2.00% | $500 | |
| Peak | 2.23% | 2.25% | $500 | |
| 18 Months | Base | 1.83% | 1.85% | $500 |
| Growth | 2.08% | 2.10% | $500 | |
| Peak | 2.33% | 2.35% | $500 | |
| 24 Months | Base | 1.98% | 2.00% | $500 |
| Growth | 2.23% | 2.25% | $500 | |
| Peak | 2.47% | 2.50% | $500 | |
| 30 Months | Base | 1.98% | 2.00% | $500 |
| Growth | 2.23% | 2.25% | $500 | |
| Peak | 2.47% | 2.50% | $500 | |
| 36 Months | Base | 2.23% | 2.25% | $500 |
| Growth | 2.47% | 2.50% | $500 | |
| Peak | 2.72% | 2.75% | $500 | |
| 48 Months | Base | 2.23% | 2.25% | $500 |
| Growth | 2.47% | 2.50% | $500 | |
| Peak | 2.72% | 2.75% | $500 | |
| 60 Months | Base | 2.23% | 2.25% | $500 |
| Growth | 2.47% | 2.50% | $500 | |
| Peak | 2.72% | 2.75% | $500 |
Early Withdrawal Penalties
|
Term
|
Penalties
|
|---|---|
| Less than 1 year | 90 Days' Dividends |
| Terms of 1 year but less than 2 years | 180 Days' Dividends |
| Terms of 2 years but less than 3 years | 270 Days' Dividends |
| Terms of 3 years but less than 7 years | 365 Days' Dividends |
| 7 years or greater | 730 Days' Dividends |
Qualified accounts insured up to $500,000. $250,000 in federal insurance provided by NCUA and an additional $250,000 in private insurance provided by ESI. Rates and terms subject to change. Fees may reduce earnings. See Truth in Savings, Important Account Information Brochure, and the Fee Schedule for more information. For more information call Member Services at: 317.916.7700 or 800.473.2328. Financial Center First Credit Union membership required.
APY - Annual Percentage Yield: Rates may change after account is opened. Dividends paid monthly based on daily balances. Rates and terms subject to change. Fees may reduce earnings.
APY - Annual Percentage Yield: Rates and terms subject to change. Penalties assessed for early withdrawal. Fees may reduce earnings.
APY - Annual Percentage Yield. APY accurate as of 11/02/2026 and assumes dividends remain on deposit until maturity. $500 minimum deposit required to open and earn the state APY. Offer applies to 9-month and 18-month certificates only. New money only, meaning funds not currently on deposit at Financial Center First Credit Union. Limit of one Certificate Special per person/per term. A penalty may be imposed for early withdrawal. Fees may reduce earnings. At maturity, the certificate renews to a standard term certificate at the then-current rate. Offer subject to change or end without notice. Membership in Financial Center First Credit Union required. Federally insured by NCUA.