Mid-City branch is closed for the remainder of today, 09/08/26 and 09/09/26, due to a facility issue. We apologize for the inconvenience.

Lock in a great rate

Certificates

If you have savings you won’t need access to for a while, a certificate is a great way to lock in a higher, fixed rate for a set length of time.
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Earn more on your savings

Just choose your term, sit back, and watch your savings add up:

  • Lock in a great rate for the entire term
  • Open with a minimum deposit of $2,000
  • No opening fees or monthly service fees
  • Choose a term from 6 months to 5 years
  • Funds are federally insured for peace of mind
  • Interest is paid monthly and can be withdrawn without penalty or kept in your certificate to earn more interest
  • You can use your certificate as collateral on loans (excludes IRAs)

Kids can be savers too! Teach your kids or grandkids the power of savings with a youth certificate. Choose from a range of terms, all with no fees and a minimum $1,000 deposit.

Contact Us to Open a Certificate

3.75

%

APY*

1-year certificate special

Lock in a great rate

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Saving is easy

How a certificate works

Save for a specific length of time. Your rate stays steady the whole time, no matter what’s happening with the market. Best of all, you can access the interest you earn at any time with zero fees – you don’t have to wait until your term finishes.

1

Choose

Pick your term and deposit amount (for example, $2,000 for 12 months).
2

Earn

You get paid interest every month, which you can withdraw and use immediately or leave to continue earning more interest.
3

Done

When your certificate matures, you can withdraw all your money or renew your certificate for another term.

Explore IRA certificates for retirement

Enjoy all the benefits of our hardworking certificates, plus the potential tax advantages of a Traditional or Roth IRA. It’s a sensible way to save for your golden years – and it’s never too soon to start thinking about retirement!

Potential tax advantages

You could save at tax time with our Traditional or Roth IRAs, plus no maintenance fees.

Smart long-term planning

Enjoy guaranteed growth with a fixed rate and range of terms to match your retirement timeline.

Learn About IRAs

What our members say

Fast and smooth process

"I will not bank with anyone else. I love my Firemen's. They are very helpful. I refinanced my house and it went so smoothly and fast. I have all my accounts linked and can go online and pay everything at one time. Thank you for staying up-to-date with technology."

- Camille T.

Affordable loans

"I love Firemen's! I couldn't get a loan from a bank because I filed bankruptcy six years ago, and Firemen's approved me with no problems. I have a cheap note and low interest rate. Thanks for given me and my credit another shot!"

- Felicia D.

Building credit

"I was with another bank and tried for two years to get them to help me with my credit. At Firemen’s, the people were so nice and friendly and helped me open an account and start to build my credit. I thought it was pretty awesome because I was beginning to think there was no hope."

- Melody M.

We're here to help

Certificate FAQs

A certificate is a savings account that lets you earn a fixed interest rate for a specific period of time. In exchange for leaving your money in the account for the full term, you typically earn a higher rate than a regular savings account.

If life throws you a curveball, you can withdraw early, though you may give up some interest. Certificates are best for money you won’t need right away, but you still have options if your situation changes.

Interest is paid monthly. You can withdraw the interest at any time without penalty, or leave it in your certificate to continue earning more interest.

No. Certificates have no opening fees and no monthly service fees.

APY stands for Annual Percentage Yield. It reflects the total amount of interest you can earn over one year, including compound interest.

Typically, additional deposits cannot be made once the certificate is opened. You may need to open a new certificate for additional funds.

When your term ends, you can withdraw your funds, renew your certificate for another term, or choose a different certificate option.