Share Certificates and IRAs
What’s better than saving? Saving with certainty. Meet your savings goal with guaranteed and fixed-rate earnings.
7-Month Share Certificate
Online Exclusive
18-Month Share & IRA Certificate
Share Certificates
Ready to grow your savings with confidence? Our share certificates can be opened online in just minutes! Choose from any of our available terms with competitive rates to help you achieve your goals faster!
Terms available from 6 months to 5 years.
Open with as little as $500.
IRA Share Certificate
Our IRA Share Certificates offer fixed-rate earnings and predictability! Choose your desired term with competitive rates to help you achieve your goals on your own time! Get started today by visiting you nearest branch.
No maintenance fees.
Open with as little as $500.
Guaranteed earnings.
Today’s Rates
Last Updated on
Frequently Asked Questions
Yes, but early withdrawals may be subject to a penalty. Penalties vary based on the certificate term and how early the funds are withdrawn.
At maturity, your certificate will automatically renew for a like term unless you notify us otherwise. We will send you a Renewal Notice before your certificate matures so you can choose to move your funds into your savings or checking account, select a different certificate term, or allow the certificate to renew automatically.
Stay up to date on our most deposit rate changes by signing up for our convenient Rate Alert emails!
More Solutions
Manage spending with confidence! Choose between our Free* Checking, Growth Checking, or First Step Checking accounts for easy access to funds and financial flexibility!
Explore OptionsWith a First Harvest savings account, you’ll keep your finances organized, open the door to credit union benefits, and watch your savings soar.
Learn MoreWhether you need your first mortgage loan, want to refinance an existing mortgage, or are looking to downsize, we’ve got your mortgage needs covered.
Learn More
Personal Checking
Manage spending with confidence! Choose between our Free* Checking, Growth Checking, or First Step Checking accounts for easy access to funds and financial flexibility!
Explore OptionsPersonal Savings
With a First Harvest savings account, you’ll keep your finances organized, open the door to credit union benefits, and watch your savings soar.
Learn MoreMortgage Loans
Whether you need your first mortgage loan, want to refinance an existing mortgage, or are looking to downsize, we’ve got your mortgage needs covered.
Learn MoreGet Started Today!
Across New Jersey, First Harvest Credit Union helps members build toward the future with smart savings options like Certificates, IRAs, and Educational Savings Accounts.
Simple Tips to Save Smarter
† Annual Percentage Yields (APY) accurate as of the date listed above and subject to be canceled, extended, or changed without notice. First Harvest Credit Union reserves the right to withdraw or revise the offer at any time. APY listed paid on $500 minimum balance. Certificates will automatically renew at maturity according to the renewal terms stated on our Truth-In-Savings Disclosure. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Offer valid for funds not currently on deposit with First Harvest Credit Union. Review our Truth-In-Savings Disclosure for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance.
1. Annual Percentage Yield (APY) accurate as of the date listed above and subject to be canceled, extended, or changed without notice. First Harvest Credit Union reserves the right to withdraw or revise the offer at any time. APY listed paid on $500 minimum balance. Must be opened online at FirstHarvestCU.com or other First Harvest digital channels. This offer is not available at First Harvest branch locations. Must open with $500 minimum in new money or have a First Harvest Checking Account. Certificates will automatically renew at maturity according to the renewal terms stated on our Truth-In-Savings Disclosure. Fees may reduce earnings. Review our Truth-In-Savings Disclosure for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance.
2. Annual Percentage Yields (APY) accurate as of the date listed above and subject to be canceled, extended, or changed without notice. First Harvest Credit Union reserves the right to withdraw or revise the offer at any time. APY listed paid on $500 minimum balance. Must open with $500 minimum in new money or have a First Harvest Checking Account. Certificates will automatically renew at maturity according to the renewal terms stated on our Truth-In-Savings Disclosure. Certificates may be subject to penalty for early withdrawal. Fees may reduce earnings. Review our Truth-In-Savings Disclosure at FirstHarvestCU.com/Disclosures for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance.
