Not yet a member? See the benefits and apply now.
Great for: people who want a secure, low-risk way to earn more dividends than a traditional savings account.
Need help deciding which account is right for you? Let us guide you.
Minimum opening deposit is $1,000
The more funds you put in initially will earn you higher dividends down the road.
Dollar Dog Kids and Cha-Ching Teen Club members can open Share Certificates with a minimum deposit of $500.
6-Month to 7-Year Terms
Whether youโre ready for a short- or long-term commitment, we have terms thatโll work for you.
*APY = Annual Percentage Yield. Rates and APYs are tiered and variable and may change at any time. Dividends are calculated using the average daily balance method. Fees may reduce earnings. Qualification requirements apply. Rates effective: June 10, 2026
Get extra flexibility with these fee-free opportunities.
Minimum deposit: $5,000
Term: 36 months
Allows one rate change during the term with no penalty
Allows one-time additional deposit during the term with no penalty
Teens can enjoy a lower minimum deposit.
Minimum deposit: $500
Term: 36 months
Make a purchase without draining your savings account. Use your certificate of deposit as collateral, and we’ll give you a loan up to the amount you have on deposit. The rate is lower than a personal/signature loan, and the money you’ve worked so hard to save will still be there (earning dividends) when you’re done.
This is also a great way for those establishing credit for the first time or those wanting to repair their credit. It helps build positive repayment history and proves that you can handle credit responsibly.
Various terms are offered to fit your savings goals.
Early withdrawals may result in penalties.
A fixed-term savings option with higher dividend rates.
Our experts are happy to help find the right savings account for your goals.
Great for Those getting to know us. Deposit $5โjust like that, you own a share of our credit union.
Great for Combining the liquidity of a savings account with limited check-writing privileges. Plus, earning higher interest!
Great for Working toward a bigger goal. With this account, you can easily separate your funds and track your savings and budget.
Save faster for your dream home with premium interest & local service. More
Let your money work for you with this safe, solid investment. More
Get more flexibility and control over your healthcare costs. More
Help kids build good habits early with these accessible accounts. More
*Annual Percentage Yield. The dividend rate for these accounts is subject to change without any notice. Fees or other conditions could reduce the earnings on these accounts. Please contact Fremont Federal Credit Union for additional information regarding applicable rates, fees and terms. Rates effective: June 10, 2026
