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!
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Guaranteed Returns
Your new higher rate remains fixed until the maturity date.
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Rate Flexibility
Adjust your rate one time mid-term without needing to extend your certificate's duration.
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No Hidden Fees
We provide transparent and upfront pricing so you can open a share certificate without worrying about hidden costs.
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.
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!
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!
Bump Up Certificate Resources
Bump Up Certificate Calculator
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1
Apply
Click the link below to make a request or stop by any location to get started.
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2
Fund Your Certificate
Make an initial deposit of $500 or more to open your certificate.
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3
Ready, Set, Save!
Sit back and watch your money grow! You can track your progress in Online Banking.
Real Words, Real People from the PNW
Love the Virtual Reps at the ITM. Makes my banking feel more personal even for a simple transaction.
Carolena Q.
Bump Up Share Certificates FAQs
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.
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.
Similar to other share certificates, there is typically a penalty for early withdrawal from a Bump Up Certificate.
Contact us to learn more.
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).
*Annual Percentage Yield (APY) effective and subject to change.
Also see Terms For Accounts.
Money Market Savings
Earn higher dividends than regular savings accounts without the restrictions of a certificate.
Learn More
Investment and Retirement Planning
For help with retirement and long term financial planning, turn to Fibre Financial Group.
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Personal Savings
Save for your future goals and earn higher rates compared to other financial institutions.
Learn More