Certificates
Looking for competitive CD rates in Stark County, Ohio? Friends & Family Credit Union offers Share Certificates designed to help you grow your savings with predictable returns and flexible terms.
You can explore certificate options with terms ranging from 6 to 60 months.
With a minimum deposit of $1,000, our Certificates offer a convenient way to put your savings to work while enjoying the personal service of a local credit union.
Share Certificates
Looking for a longer-term savings option? Watch your savings grow with a Certificate. When you open a Certificate, you receive a higher dividend rate because your funds are deposited for a fixed period of time. The minimum investment is $1,000 for 6 months.
Certificate rates are categorized in Family Advantage Tiers (PLATINUM, GOLD, SILVER and BRONZE) based on a combination of your household’s loans, deposits, or investments with Friends and Family Credit Union.
IRA Certificates
We have Individual Retirement Accounts for every need. If you are saving for retirement, looking for a tax-deferred account, saving for a child’s education, or looking for a place to park your 401k or retirement payout, look at what your credit union has to offer.
- Traditional, Roth, Education IRAs
- Rollovers, payroll deductions, regular contributions
- Automatic distributions after age 59½
- IRA Certificates from 12 months to 60 months for higher yields
- The minimum deposit to open an IRA is only $100. Contact us today and start saving for your future!
Certificates are available in the following terms:
6 months, 9 months, 12 months, 18 months, 24 months, 36 months, 48 months, 60 months
Today's Certificate Rates
Type | SPECIAL RATE | APY* |
12 Month Certificate SPECIAL | 4.28% | |
24 Month Certificate SPECIAL | 4.33% |
Type | Platinum Rate | APY* |
6 Month Certificate | 3.75% | 3.80% |
9 Month Certificate | 3.79% | 3.85% |
12 Month Certificate | 3.79% | 3.85% |
18 Month Certificate | 4.04% | 4.10% |
24 Month Certificate | 4.04% | 4.10% |
36 Month Certificate | 3.99% | 4.05% |
48 Month Certificate | 3.99% | 4.05% |
60 Month Certificate | 3.99% | 4.05% |
Type | Gold Rate | APY* |
6 Month Certificate | 3.65% | 3.70% |
9 Month Certificate | 3.69% | 3.75% |
12 Month Certificate | 3.69% | 3.75% |
18 Month Certificate | 3.94% | 4.00% |
24 Month Certificate | 3.94% | 4.00% |
36 Month Certificate | 3.89% | 3.95% |
48 Month Certificate | 3.89% | 3.95% |
60 Month Certificate | 3.89% | 3.95% |
Type | Silver Rate | APY* |
6 Month Certificate | 3.60% | 3.65% |
9 Month Certificate | 3.64% | 3.70% |
12 Month Certificate | 3.64% | 3.70% |
18 Month Certificate | 3.89% | 3.95% |
24 Month Certificate | 3.89% | 3.95% |
36 Month Certificate | 3.84% | 3.90% |
48 Month Certificate | 3.84% | 3.90% |
60 Month Certificate | 3.84% | 3.90% |
Type | Bronze Rate | APY* |
6 Month Certificate | 3.55% | 3.60% |
9 Month Certificate | 3.59% | 3.65% |
12 Month Certificate | 3.59% | 3.65% |
18 Month Certificate | 3.84% | 3.90% |
24 Month Certificate | 3.84% | 3.90% |
36 Month Certificate | 3.79% | 3.85% |
48 Month Certificate | 3.79% | 3.85% |
60 Month Certificate | 3.79% | 3.85% |
APY is based on your Family Advantage Tier. An early withdrawal penalty by the Internal Revenue Service may apply to IRAs. A portion of the principal may be used to cover the penalty. Dividends are paid Quarterly. Rates are subject to change at anytime. $100 Minimum Deposit Required to open an IRA. Traditional, Roth, & Educational IRAs are available. $1,000 Minimum required to open a Regular Certificate.
Savings options for everyone in Stark County
Frequently Asked Questions About Certificates
What is the minimum deposit to open a Certificate at Friends & Family Credit Union?
The minimum deposit to open a regular Share Certificate at Friends & Family Credit Union is $1,000. IRA Certificates have a minimum opening deposit of $100. Special offers may require lower minimums so please check with us first.
What Certificate terms are available?
Friends & Family Credit Union offers Share Certificates with terms of 6, 9, 12, 18, 24, 36, 48 and 60 months. This gives members flexibility to choose a savings term that fits their financial goals.
How do I find current CD rates in Massillon and Canton, Ohio?
Friends & Family Credit Union publishes its current Certificate rates and annual percentage yields (APYs) online. Rates vary based on the Certificate term and your Family Advantage membership tier. Visit our rates page for the latest information.
Who can open a Certificate at Friends & Family Credit Union?
Individuals who live, work, worship, or attend school in Stark County, Ohio, are eligible to join Friends & Family Credit Union. Immediate family members of existing members may also qualify.
Where can I open a Certificate in Stark County, Ohio?
Friends & Family Credit Union serves Stark County through its branches in Massillon and Canton. Visit one of our locations or contact our team to learn more about opening a Certificate.
Savings options for everyone in Stark County
Friends and Family Credit Union proudly serves individuals and families across Stark County, Ohio, by offering a variety of savings account options, including share savings, certificates of deposit (CDs), money market accounts, IRAs, and Roth IRAs.
Residents in Canton, Massillon, Alliance, Canal Fulton, Louisville, North Canton, Minerva, Barberton, Hartville, Perry Heights, Strasburg, East Canton, Magnolia, Waynesburg, Brewster, Jackson Township, and Sandy Township can take advantage of our community-focused approach to secure their financial future.
Whether you’re saving for a specific goal, earning interest on your deposits, or planning for retirement, our diverse savings options cater to your individual needs. Reach out to Friends and Family Credit Union today to explore how we can help you grow your savings!