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Certificates & IRAs

Diversify your savings.

We'll help you to envision a brighter future for your life and finances. Our Certificates and IRAs are great tools that deliver steady growth for short and long terms. You need accounts that work in your best interests without constant monitoring, and these solutions can lead to greater financial independence.

  Daily Savings IRA Certificates IRA Certificates MAX Certificates Jumbo Certificates Laddered Certificates
Overview Ideal for supplementing your retirement The longer your term, the more money you earn Strengthen your retirement savings Provides more flexibility than a traditional Certificate Larger balances grow steadily Create a strategy to maximize savings and accessibility
Requirements None $500 or $1,000 min. deposit $500 or $1,000 min. deposit $1,000 min. deposit $90,000 min. deposit ($50,000 for IRA Certificates) $1,000 min. deposit per Certificate
  • No minimum deposit required to start saving for a more secure retirement
  • Dividends paid quarterly
  • Terms range from 91 days to 60 months
  • Terms range from 12-60 months
  • Enjoy tax-deferred growth
  • Adjust your rate higher at any one time during the Certificate's term
  • Terms range from 12 to 36 months
  • Not available as IRA Certificate
  • Terms range from 91 days to 60 months
  • Divided among five Certificates with staggered maturities
  • Long-term earning potential paired with liquidity
  • Automatically renews into 5-year Certificates

See complete rate listings and disclosures for more information.

Calculate Benefits of a Laddered Certificate

Savings Certificates

Effective June 5, 2018 (rates subject to change)
MAX: one-time rate adjustment available during term
Ask us about our Laddered Certificates, offering a .10% bonus to existing rates
Regular Jumbo
APY Minimum Opening Deposit APY Minimum Opening Deposit
91 day 0.75% $1,000 0.85% $90,000
6 month 0.80% $1,000 0.90% $90,000
12 month 1.10% $1,000 1.21% $90,000
18 month 1.10% $500 1.21% $90,000
24 month 1.25% $500 1.36% $90,000
36 month 1.65% $500 1.75% $90,000
47 month 1.70% $500 N/A N/A
60 month 2.50% $500 2.60% $90,000
12 month MAX 1.10% $1,000 1.21% $90,000
24 month MAX 1.25% $1,000 1.36% $90,000
36 month MAX 1.65% $1,000 1.75% $90,000
15 month special 2.35% $1,000 2.45% $90,000
48 month special 2.70% $1,000 N/A N/A

Minimum deposit for laddered product is $1,000 per certificate; funds do not need to be equally distributed across product. Existing Firefly CU certificates may be transferred without penalty to laddered product only.

IRA Certificates

Effective June 5, 2018 (rates subject to change)
Regular Jumbo
APY Minimum Opening Deposit APY Minimum Opening Deposit
12 month 1.10% $1,000 1.21% $50,000
24 month 1.25% $1,000 1.36% $50,000
36 month 1.65% $1,000 1.75% $50,000
48 month 1.70% $1,000 N/A N/A
60 month 2.50% $1,000 2.60% $50,000
15 month special 2.35% $1,000 2.45% $50,000

APY = Annual Percentage Yield. All rates subject to change. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts. All deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the United States Government.


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A more secure future starts today.

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Various Terms

Various Terms

From 91 days to 60 months
Easy Access

Easy Access

Open with a low deposit
Fixed Rates

Fixed Rates

Know exactly how much you'll earn over a term
Diversified Options

Diversified Options

Steady returns to balance the rest of your portfolio

Bolster your savings with Minnesota IRAs and Certificates.

Firefly CU's great rates are structured to help you save more today for a more comfortable tomorrow. We'll help you find the Certificates and IRAs that best fit your plans.

Supporting Your Efforts

You make important decisions every day, so sometimes making even one more (especially a financial one) can seem overwhelming. At Firefly, we want to help guide you through those choices so you can be better equipped to decide what’s right for you and your goals. Take a look at some of the resources we have available to you to aid in your financial decision-making process.

12-Month Certificate
$100 minimum deposit

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