IRA & CD Rates
Guaranteed Growth, Dependable Dividends
Great rates designed to rewards our members year round.
Guaranteed Growth, Dependable Dividends
Great rates designed to rewards our members year round.
At Family First, we’ve raised our CD Rates across the board, so you can rest assured you’re getting the best rate every time. Earn more on your money without the constant stress of seeking out the highest rates. We’re committed to delivering competitive rates across terms, so your loyalty is rewarded – not reset. Check out our great CD rates below!
CD Specials
| Term | APY | Min. To Earn Dividend |
|---|---|---|
| Youth 12 Months* | 4.10% | $50 (Allows additional deposits, capped at $10,000) |
| 5 Months | 3.75% | $500 |
| 10 Months | 3.25% | $500 |
| 17 Months | 3.00% | $500 |
| Jumbo 5 Months | 3.90% | $100,000** |
| Jumbo 10 Months | 3.40% | $100,000** |
| Jumbo 17 Months | 3.15% | $100,000** |
Certificate Rates
| Term | APY | Min. To Earn Dividend |
|---|---|---|
| 3 – 5 Months | 0.15% | $500 |
| 6 – 11 Months | 0.20% | $500 |
| 12 – 17 Months | 0.25% | $500 |
| 18 – 23 Months | 0.30% | $500 |
| 24 – 35 Months | 0.35% | $500 |
| 36 – 47 Months | 0.40% | $500 |
| 48 – 59 Months | 0.45% | $500 |
| 60 Months | 0.50% | $500 |
*Youth certificates must be opened in a Youth Account with a minimum deposit of $50 to earn APY. Additional funds may be deposited throughout the term of this CD, with deposits capped at $10,000. Upon maturity, the CD will automatically renew at the current market rate if not moved.
**Jumbo certificates require a minimum deposit of $100,000 with at least $10,000 new money. New money is money not on deposit with Family First over the last 60 days.
APY is annual percentage yield.
Rates and yields are set by the Credit Union Board of Directors and are subject to change without notice. Fees may reduce earnings on some accounts. The APY is based on the assumption that dividends remain on deposit until maturity. Federal regulations require a penalty for early withdrawal.
Rates are valid as of 03/17/2026.
Featured Certificate Rates
3.65%*
3-5 MONTHS
3.80%*
3-5 MONTHS JUMBO
Featured Certificate Rates
3.65%*
3-5 Months
3.80%**
Jumbo 3-5 Months
4.10%***
Youth 12 Months
Certificate Rates
| Term | APY | Min. To Earn Dividend |
|---|---|---|
| 3 – 5 Months New Money Special | 3.65% | $10,000* |
| 3 – 5 Months | 3.25% | $500 |
| 6 – 11 Months | 3.15% | $500 |
| 12 – 17 Months | 3.05% | $500 |
| 18 – 23 Months | 2.95% | $500 |
| 24 – 35 Months | 2.85% | $500 |
| 36 – 47 Months | 2.75% | $500 |
| 48 – 59 Months | 2.65% | $500 |
| 60 Months | 2.55% | $500 |
| Jumbo 3 – 5 Months New Money Special | 3.80% | $100,000** |
| Jumbo 3 – 5 Months | 3.40% | $100,000** |
| Jumbo 6 – 11 Months | 3.30% | $100,000** |
| Jumbo 12 – 17 Months | 3.20% | $100,000** |
| Jumbo 18 – 23 Months | 3.10% | $100,000** |
| Jumbo 24 – 35 Months | 3.00% | $100,000** |
| Jumbo 36 – 47 Months | 2.90% | $100,000** |
| Jumbo 48 – 59 Months | 2.80% | $100,000** |
| Jumbo 60 Months | 2.70% | $100,000** |
| Youth 12 Months | 4.10% | $50*** |
Want to talk to us about CDs?
CD Inquiry
*Requires a minimum deposit of $10,000 with new money. New money is money not on deposit with Family First over the last 60 days.
**Jumbo certificates require a minimum deposit of $100,000 with at least $10,000 new money. New money is money not on deposit with Family First over the last 60 days.
***Youth certificates must be opened in a Youth Account with a minimum deposit of $50 to earn APY. Additional funds may be deposited throughout the term of this CD, with deposits capped at $10,000. Upon maturity, the CD will automatically renew at the current market rate if not moved.
APY is annual percentage yield.
Rates and yields are set by the Credit Union Board of Directors and are subject to change without notice. Fees may reduce earnings on some accounts. The APY is based on the assumption that dividends remain on deposit until maturity. Federal regulations require a penalty for early withdrawal.
Rates are valid as of 03/17/2026.
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