Four Points Federal Credit Union (Four Points FCU) ended November by raising the rate on its 30-month Certificate Promotion to 3.35% APY. This limited-time offer requires a minimum $10k deposit, with no stated balance cap.
|3.35%||$10k||-||Four Points Federal Credit Union||30 Month Certificate Promotion|
The 30-month Certificate Promotion made its debut 15 months ago, with an initial 1.55% APY. This week’s addition of 180 bps was the first rate change for the 30-month Certificate Promotion.
As stated on the Promotions Rate page, the Early Withdrawal Penalty reads as follows:
Penalty for early withdrawal is 180 days of dividends.
Headquartered in Omaha, Nebraska, Four Points Federal Credit Union’s field of membership (FOM) is residency-based, with individuals who live, work, worship, or attend school anywhere in Colorado, Iowa, Kansas, Missouri, Nebraska, South Dakota, or Wyoming eligible to join.
Employees/members of more than 45 SEGs also qualify for membership. The largest of the SEGs include Ag Processing (AGP), Farm Credit, Farmer’s National Company, Producer’s Livestock, Nebraska Cooperatives, and South Dakota Wheat Growers.
Immediate family members (spouse, child, sibling, parent, grandparent, or grandchild) of current Four Points FCU members and membership-eligible individuals are welcome to apply.
The first step in opening a Certificate Promotion is filling out the Certificate Contact Me form.
Just input the information below and submit.
We’ll contact you within 2 business days to finalize the details!
Credit Union Overview
Four Points Federal Credit Union has an overall health grade of "A+" at DepositAccounts.com, with a Texas Ratio of 0.27% (excellent) based on September 30, 2018 data. In the past year, Four Point FCU has increased its total non-brokered deposits by $5.78 million, excellent annual growth rate of 5.88%. Please refer to our financial overview of Four Points Federal Credit Union (NCUA Charter # 24753) for more details.
Four Points Federal Credit Union was originally known as the Farm Credit Administration Cooperative Credit Association (FCACCA). Established in 1934, FCACCA was one of the first twelve credit unions serving the employees of the Farm Credit System (FCS). (Established by Congress in 1916, FCS is a nationwide network of borrower-owned lending institutions and specialized service organizations.) In 2005, the Credit Union converted to a federal charter and re-branded as Four Points “in order to better reflect our new ability to serve members across all 50 states, in all directions.” Four Points FCU has partnered with the Nebraska Consumer Council to extend membership to the residents of seven Mid-Western and Mountain states.
How the Certificate Promotion Compares
When compared to the similar length-of-term CDs tracked by DepositAccounts.com that require a minimum deposit of $10k or less and are available within the FOM, Four Points Federal Credit Union's 30-month Certificate Promotion APY currently ranks first.
|Interest Rate||CD Length of Term||Credit Union/Bank|
|3.35% APY||30-Month Certificate Promotion ($10k min)||Four Points Federal Credit Union|
|3.30% APY||3-Year CD ($10k min)||Popular Direct|
|3.26% APY||36-Month Online Promo CD ($1k min)||M.Y. Safa Bank|
The above rates are accurate as of 12/1/2018.
To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table.