Share Certificates
Guaranteed growth. Zero risk.
Whether you're opening your first Share Certificate or renewing a maturing one, here's how we help you grow your savings safely.
What is a share certificate?
A Share Certificate is an account where funds are deposited for a pre-determined length of time. In exchange for agreeing to leave your money with us for this set time period, you may earn a higher yield than on a regular share savings account.
How it works?
Pick your term length and deposit amount ($1,000 minimum). We lock in your rate, and your money earns guaranteed interest until maturity. When the term ends, you'll get your full deposit back plus everything you earned. No guesswork, no risk.
How to open?
Call us at 305.324.4004 and we'll get you set up. You can also stop by a branch & talk to a member services rep who can walk you through your options.
How Share Certificates Work for You.
Guaranteed Returns
Your rate is locked in from day one. No market swings, no surprises. You know exactly what you'll earn when your term ends, so you can plan with confidence.
Your deposits are federally insured up to $250,000. The same protection as any bank, backed by the full faith of the U.S. government. Your money is safe, period.
Flexible Terms
Choose the timeline that fits your goals. Whether you're saving for something specific or building long-term wealth, there's a term that works.
Higher Rates Than Regular Savings
Share Certificates earn significantly more than a standard savings account. Your money works harder for you while staying completely secure. It's the best of both worlds—safety and growth.
Potential Earnings
Current Rates & Terms
| Term | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Disclosure | |||
| 6 Months | $1,000 | 3.78% | 3.85% |
| 12 Months | $1,000 | 3.92% | 4.00% |
| 18 Months | $1,000 | 4.07% | 4.15% |
| 24 Months | $1,000 | 3.83% | 3.90% |
| 30 Months | $1,000 | 3.69% | 3.75% |
| 36 Months | $1,000 | 3.73% | 3.80% |
| 48 Months | $1,000 | 3.59% | 3.65% |
| 60 Months | $1,000 | 3.59% | 3.65% |
MIAMI FIREFIGHTERS FEDERAL CREDIT UNION
Share Certificate Savings Calculator
See how your savings can grow with our competitive rates
Minimum deposit required: $1,000
Interest is calculated based on simple annual interest. Rates are subject to change. The information and calculators provided are intended solely as self-help tools for your personal use. They are not designed to offer investment or tax advice. We do not guarantee their accuracy or relevance to your specific situation. All examples are hypothetical and meant for illustrative purposes only. For guidance tailored to your individual financial needs, we recommend consulting with qualified professionals. Please note that these calculators may not account for certain state-specific or regulatory requirements.
Federally insured by NCUA. Terms and conditions apply. Subject to credit approval.