Certificates of Deposit (CDs)
  

55 PLUS Club Bonus

Special CD rate for a Direct Rollover of a Qualified Pension Plan!
Add .55% onto our Standard IRA CD rate (rates are listed below in the "Standard CD Rates" box) for terms up to 18 months when funds from a Qualified Pension Plan are directly rolled into an FME CU IRA.  Add .25% onto our Standard IRA CD rate for terms of 24 - 36 months.

Special CD rate for a Direct Rollover of an IRA!
Add .55% onto our Standard IRA CD rate (rates are listed below in the "Standard CD Rates" box) for terms up to 18 months when funds from an IRA at another financial institution are directly rolled into an FME CU IRA.  Add .25% onto our Standard IRA CD rate for terms of 24-36 months.

Example:  An IRA CD Dividend Rate of 2.30% for a 12-month term with $25,000 minimum would increase to 2.85% with .55% CD Bonus.

Standard CD Rates

$500 Standard CD Rates
Effective Date: Sunday, December 9th, 2018
TermShare CD Dividend RateShare CD APY*IRA CD Dividend RateIRA CD APY*
6 months 0.20% 0.20% 0.25% 0.25%
12 months 0.25% 0.25% 0.30% 0.30%
18 months 0.25% 0.25% 0.30% 0.30%
24 months 0.30% 0.30% 0.35% 0.35%
30 months 0.35% 0.35% 0.40% 0.40%
36 months 0.40% 0.40% 0.45% 0.45%

$2,500 Standard CD Rates
Effective Date: Sunday, December 9th, 2018
TermShare CD Dividend RateShare CD APY*IRA CD Dividend RateIRA CD APY*
6 months 0.25% 0.25% 0.30% 0.30%
12 months 0.30% 0.30% 0.35% 0.35%
18 months 0.30% 0.30% 0.35% 0.35%
24 months 0.35% 0.35% 0.40% 0.40%
30 months 0.40% 0.40% 0.45% 0.45%
36 months 0.45% 0.45% 0.50% 0.50%

$10,000 Standard CD Rates
Effective Date: Sunday, December 9th, 2018
TermShare CD Dividend RateShare CD APY*IRA CD Dividend RateIRA CD APY*
6 months 0.27% 0.27% 0.32% 0.32%
12 months 0.32% 0.32% 0.37% 0.37%
18 months 0.32% 0.32% 0.37% 0.37%
24 months 0.37% 0.37% 0.42% 0.42%
30 months 0.42% 0.42% 0.47% 0.47%
36 months 0.47% 0.47% 0.52% 0.52%

$25,000 Standard CD Rates
Effective Date: Sunday, December 9th, 2018
TermShare CD Dividend RateShare CD APY*IRA CD Dividend RateIRA CD APY*
6 months 0.30% 0.30% 0.35% 0.35%
12 months 0.35% 0.35% 0.40% 0.40%
18 months 0.35% 0.35% 0.40% 0.40%
24 months 0.40% 0.40% 0.45% 0.45%
30 months 0.45% 0.45% 0.50% 0.50%
36 months 0.50% 0.50% 0.55% 0.55%



The Dividend Rates and APY* are determined on the date of account opening and remain in effect for the term of the certificate.
Only one bonus may be used per certificate account. Multiple bonuses cannot be combined to increase certificate rate.

*APY = Annual Percentage Yield.  Minimum $500 deposit is required to open a certificate.  Fees on accounts may reduce
the earnings.  A penalty will, or may be imposed for early withdrawal of certificates.  Some restrictions may apply. Speak with your tax advisor for retirement options. Rates subject to change.


The NCUA insures your Regular and IRA savings separately, to at least $250,000.


NMLS# 808257

info@fme.org info@fme.org Live Chat Privacy Statement Disclosures Site Map Find an ATM Shared Branch Locator Loan Rates Saving Rates

If you are logging in to Online Banking for the first time, please be aware that your FME Account Number should be entered as 7-digits long, without dashes, and with the last digit being a 0. This is the same Account Number that appears on your periodic statement. The initial User Password is the last 4 digits of the primary accountholder's Social Security Number.

Close This