We’ve raised our CD Rates across the board, so you can earn more on your money without the constant stress of seeking out the highest rates. At Family First, your loyalty is rewarded – not reset. Check out our great CD rates below!
Featured Certificates
4.25%*
5 Months
4.40%****
Jumbo 5 Months
4.10%***
Youth 12 Months
Certificate Rates
| Term | APY | Min. To Earn Dividend |
|---|---|---|
| 3 – 5 Months | 3.25% | $500 |
| 5 Month New Money Special | 4.25% | $10,000* |
| 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 | 3.40% | $100,000** |
| Jumbo 5 Month New Money Special | 4.40% | $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*** |
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*Requires a minimum deposit of $10,000 with new money or a full-service checking account. New money is money not on deposit with Family First over the last 60 days. The checking account must be full-service for at least 60 days before it becomes eligible. Full service is defined as having a checking, savings, direct deposit, debit card and online banking with eStatements.
**Minimum balance of $100,000. All other regular CD restrictions listed below apply.
***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 or a full-service checking account. New money is money not on deposit with Family First over the last 60 days. The checking account must be full-service for at least 60 days before it becomes eligible. Full service is defined as having a checking, savings, direct deposit, debit card and online banking with eStatements.
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 09/26/2026.
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