Bump up Share Certificates

Grow your savings faster and change your rate when the time is right!

Certificate rates can fluctuate significantly over a few years. We understand how frustrating it can feel when rates rise, but you’re stuck with a lower one. This is where Bump Up Certificates come in.

Your Bump Up Certificate doesn’t get left behind when 30 month certificate rates rise. Instead, you can match this new rate once during your certificate’s term. It opens up the opportunity for greater returns on your savings!

Guaranteed Returns Your new higher rate remains fixed until the maturity date.
Rate Flexibility Adjust your rate one time mid-term without needing to extend your certificate's duration.
No Hidden Fees We provide transparent and upfront pricing so you can open a share certificate without worrying about hidden costs.

Other Features

Maximized Earning

Get a chance to earn additional money if the rate increases at a future date.

Easy to Open

Open, fund, and manage your certificate easily with Online Banking and Mobile Banking.

More Details

Why not get the most out of your share certificate?

Bump up Certificates offer the opportunity to increase your dividend rate during the 30-month term. This option applies if dividend rates on our 30-month certificate has increased.

You’ll need a $500 or more initial deposit to open the certificate. You’ll then need to maintain a minimum balance to earn the APY on the funds.

And with a 30-month term, your funds will be available to withdraw at maturity before you know it!

Open a Bump Up Certificate

Why Choose Fibre Federal & TLC?

As a member-owned credit union, we put the best interests of our members first.

Our service area covers eleven counties in SW Washington and along the Oregon coast. Anyone with family ties or shared households with existing members can join. We also extend membership to select local businesses and organizations.

Fibre Federal Credit Union and TLC provides a full range of financial services designed to meet the specific needs of our member-owners. Experience the credit union difference with us!

Open a Bump Up Certificate

Bump Up Certificate Resources

Calculator

Bump Up Certificate Calculator

Apply & Save in 1-2-3

1 Apply Click the link below to make a request or stop by any location to get started.
2 Fund Your Certificate Make an initial deposit of $500 or more to open your certificate.
3 Ready, Set, Save! Sit back and watch your money grow! You can track your progress in Online Banking.

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Real Words, Real People from the PNW

It has been years since I have called into Fibre needing an actual live voice on the other end to help me out because of the significance mobile and desktop banking plays in my day to day living. However, Paula reminded me why Fibre is still the only banking institution I will entrust. Thanks to Paula and Fibre for the peace of mind, the stress relief, and the flexibility you give me to financially live my best life.

Jenny E.

Bump Up Share Certificates FAQs

What are some pros and cons of Bump Up certificates?

A pro is you can take advantage of rising dividend rates by requesting one rate bump option during your term, which is a benefit not offered with traditional share certificates. A con is that you might miss out if rates drop, so you'll want to pay attention to rates throughout the term. There are also penalties for early withdrawal before the maturity date.

When can I request a rate bump on my Bump Up Certificate?

You can request to step up your rate one time during the 30 month term. However, you must do it on or after the predetermined bump date and before maturity.

What is the early withdrawal penalty for Bump Up Certificates?

Similar to other share certificates, there is typically a penalty for early withdrawal from a Bump Up Certificate. Contact us to learn more.

What is the difference between a Bump Up Certificate and a regular share certificate?

Unlike a regular certificate, a Bump Up Certificate allows you to request a rate increase if dividend rates rise during the term. This will potentially enable you to boost your annual percentage yield (APY).

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*Annual Percentage Yield (APY) effective and subject to change.

Also see Terms For Accounts.