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Savings Certificates

Ready to step up your savings? With certificates of deposit, you earn interest at tiered rates for a fixed term (longer terms earn higher interest rates) — so your money works harder for you! The dividends you earn are compounded daily and paid monthly, and your dividends can be withdrawn early without penalty1.
1APY=Annual Percentage Yield. Fees or other conditions could reduce earnings. A penalty will be imposed for early withdrawal from term share accounts. Terms and conditions subject to change. Rates may vary.

Flex Savings Certificates

Enjoy extra saving-power with automatic rate increases plus the flexibility to access your funds at the five-month mark.

Bump up your rate

  • Same rates as 1-year Regular, Premier and Executive Savings Certificates 10-month term1
  • Add or withdraw funds with no penalty during a 10-day window at the 5-month mark (cannot withdraw below the minimum)
  • Automatic rate increase at the 5-month mark if 1-year certificate rates have increased
  • Set up automatic renewal to keep your savings growing
1APY=Annual Percentage Yield. Fees or other conditions could reduce earnings. A penalty will be imposed for early withdrawal from term share accounts. Terms and conditions subject to change. Rates may vary.

lock in your rate today

Need help setting up your savings strategy? We’re happy to walk you through it. Open a savings certificate through e-Shares with online banking, visit your local branch or call us at 1-800-634-6632.

  • Certificates
    Savings Certificates
    TypeRateAPY*TermMinimum Deposit
    Flex Executive0.90%0.90%10 Months$100,000
    Flex Premier0.80%0.80%10 Months$10,000
    Flex Regular0.80%0.80%10 Months$1,000
    Regular1.15%1.16%5 Years$500
    Regular1.00%1.00%3 Years$500
    Regular0.90%0.90%2 Years$500
    Regular0.80%0.80%1 Year$500
    Regular0.60%0.60%6 Months$500
    Premier1.15%1.16%5 Years$10,000
    Premier1.00%1.00%3 Years$10,000
    Premier0.90%0.90%2 Years$10,000
    Premier0.80%0.80%1 Year$10,000
    Premier0.60%0.60%6 Months$10,000
    Executive1.25%1.26%5 Years$100,000
    Executive1.10%1.11%3 Years$100,000
    Executive1.00%1.00%2 Years$100,000
    Executive0.90%0.90%1 Year$100,000
    Executive0.75%0.75%6 Months$100,000
    Coverdell Education1.15%1.16%5 Years$500
    Coverdell Education1.00%1.00%3 Years$500
    Coverdell Education0.90%0.90%2 Years$500
    Coverdell Education0.80%0.80%1 Year$500
    IRA Certificates
    TypeRateAPY*TermMinimum Deposit
    Traditional1.15%1.16%5 Years$500
    Traditional1.00%1.00%3 Years$500
    Traditional0.90%0.90%2 Years$500
    Traditional0.80%0.80%1 Year$500
    Traditional Premier1.15%1.16%5 Years$10,000
    Traditional Premier1.00%1.00%3 Years$10,000
    Traditional Premier0.90%0.90%2 Years$10,000
    Traditional Premier0.80%0.80%1 Year$10,000
    Traditional Executive1.25%1.26%5 Years$100,000
    Traditional Executive1.10%1.11%3 Years$100,000
    Traditional Executive1.00%1.00%2 Years$100,000
    Traditional Executive0.90%0.90%1 Year$100,000
    Roth1.15%1.16%5 Years$500
    Roth1.00%1.00%3 Years$500
    Roth0.90%0.90%2 Years$500
    Roth0.80%0.80%1 Year$500
    Roth Premier1.15%1.16%5 Years$10,000
    Roth Premier1.00%1.00%3 Years$10,000
    Roth Premier0.90%0.90%2 Years$10,000
    Roth Premier0.80%0.80%1 Year$10,000
    Roth Executive1.25%1.26%5 Years$100,000
    Roth Executive1.10%1.11%3 Years$100,000
    Roth Executive1.00%1.00%2 Years$100,000
    Roth Executive0.90%0.90%1 Year$100,000
    *APY = Annual Percentage Yield. Fees or other conditions could reduce earnings. A penalty will be imposed for early withdrawal from term share accounts. Terms and conditions subject to change. Rates may vary.

More ways to save

 
Savings Accounts

Customize your savings plan with a savings account that provides easy access, competitive rates and helpful money management tools. Read more

 
Money Market Accounts

Earn high-yield money market rates while maintaining easy access to your funds when you open a money market account. Read more

 
Education Savings

Start saving early for a child or grandchild’s future. Read more

Your Funds Are Insured
The National Credit Union Administration (NCUA), an agency of the federal government, insures funds deposited at Honda FCU up to $250,000. Honda FCU insures an additional $250,000 through the American Share Insurance (ASI), a private insurance company.

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