Share Certificates

Certificates are a great way to invest money for a set period of time and receive higher yields in return. Thanks to your membership, VITAL FCU gives you even higher dividends on your investment.

  • $500 minimum opening balance
  • Terms from 12 to 36 months
  • Competitive dividend rates

There is a penalty for early withdrawal.  If the certificate has a maturity of 12 months or less and the withdrawal occurs less than 365 days from the date of purchase, there is a 30-day penalty. If the certificate has a 24 or 36 month term and the withdrawal occurs after 365 days from the date of purchase, there is a 90-day penalty.

Rates change quarterly, therefore refer to your Rate Schedule for current rates. For details on special certificate rates, please contact the credit union.

Dividends are compounded quarterly and paid quarterly.

Discover more of what your Vital Federal Credit Union has to offer!

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Member Benefits

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Great Rates

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Mobile Banking

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Home Equity Loans

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Due to system upgrades, you may experience intermittent down times over the next few weeks. We appreciate your patience in this matter. Florida and Ohio have been blocked for Visa debit card transactions due to fraud. Learn more