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Certificates

Your money grows day and night as you go about your life.

The best thing about a Share Certificate account? It earns bigger dividends than a regular savings account. The next best thing? It does it all without much effort on your part. You make a deposit, lock in an attractive rate and then - while you work your job, raise your kids, and chill with your friends - your money grows steadily over a period of months or years. 
 
  • Save for a future purchases and expenses - or simply to build financial security
  • Minimum opening deposit of $500 ($2,500 for six-month Certificates)
  • Choose Certificates ranging from six months to five years
  • Monitor your Certificate balance with our digital banking tools
  • Early withdrawal may result in a loss of some of your dividend income. However, your initial deposit is never at risk.
Term  Dividend Rate  APY*  Minimum Balance
6 Months 1.51% 1.52% $2,500
12 Months 2.32% 2.35% $500
24 Months 2.50% 2.52% $500
36 Months 2.65% 2.68% $500
48 Months 2.75% 2.78% $500
60 Months 3.00% 3.04% $500
*APY = Annual Percentage Yield. All certificate accounts will have dividends compounded monthly and paid monthly. All accounts will have dividends calculated on the daily balance. All rates are subject to change without notice. A penalty fee will be imposed for early withdrawal.









Integra First Federal Credit Union is a full-service financial institution serving select counties in Michigan’s Upper Peninsula and Northeast Wisconsin.