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Certificates & IRAs

Diversify your savings.

Firefly's Savings Certificates and IRA Certificates are structured to help you save more today for a more comfortable tomorrow. These tools deliver steady growth for short and long terms. If you need accounts that work in your best interests without constant monitoring, these solutions could be a great fit for your life and finances.

Compared to banks, members save an average of $555 annually with a Firefly Savings Certificate.
Learn more about the value of a Firefly membership.

Various Terms

Various Terms

Select from term options ranging from 91 days to 60 months
Easy Access

Easy Access

Open with a low deposit
Fixed Rates

Fixed Rates

Know how much you'll earn over your selected term
Diversified Options

Diversified Options

Steady returns to balance the rest of your portfolio
  Daily Savings IRA Certificates IRA Certificates MAX Certificates Jumbo 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
Requirements None $500 minimum deposit $500 minimum deposit $500 minimum deposit $90,000 min. deposit ($50,000 for IRA Certificates)
Details
  • No minimum deposit required to start saving for a more secure retirement
  • Dividends paid quarterly
  • Terms range from 91 days to 60 months.

Additional funds may be added to our 12-month savings certificate at any point during the certificate term.
 
  • Terms range from 12-60 months.
  • Enjoy tax-deferred growth
  • ​Additional funds may be added to our 12-month IRA certificate at any point during the certificate term.
  • 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
Calculate if your savings goals are on track
 

Savings Certificates

Effective November 20, 2019 (rates subject to change)
MAX: one-time rate adjustment available during term
Regular Jumbo
APY Minimum Opening Deposit APY Minimum Opening Deposit
91 day 1.00% $500 1.10% $90,000
6 month 1.05% $500 1.15% $90,000
12 month 1.65% $100 1.75% $90,000
18 month 1.75% $500 1.85% $90,000
19 month special 2.25% $500 N/A N/A
24 month 1.85% $500 1.95% $90,000
36 month 2.10% $500 2.20% $90,000
47 month 1.95% $500 N/A N/A
60 month 2.50% $500 2.60% $90,000
12 month MAX 1.65% $500 1.75% $90,000
24 month MAX 1.85% $500 1.95% $90,000
36 month MAX 2.10% $500 2.20% $90,000
Looking for the renewal rate of a term that is no longer available? Give us a call at (952) 736-5000.

IRA Certificates

Effective November 20, 2019 (rates subject to change)
Regular Jumbo
APY Minimum Opening Deposit APY Minimum Opening Deposit
12 month 1.65% $500 1.75% $50,000
19 month special 2.25% $500 N/A N/A
24 month 1.85% $500 1.95% $50,000
36 month 2.10% $500 2.20% $50,000
48 month 1.95% $500 N/A N/A
60 month 2.50% $500 2.60% $50,000
Looking for the renewal rate of a term that is no longer available? Give us a call at (952) 736-5000.

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.

 

Want to know something else?

DID YOU KNOW...

You can add funds to your 12-Month Certificate.

Firefly's 12-month certificate term allows you to add funds to your balance at any point. This product is a great tool if you're looking to save for an item or life event more than a year away but are tempted to spend money you've set aside.