Lightning Certificate Special

Open a Lightning Certificate Special while you can, cuz it’ll be gone in a flash!

Now through November 30th, earn 3.70% APY* for 11 months or 3.23% APY* for 23 months.

Minimum $5,000. Maximum $100,000. Limit of four Lightning Certificates per member.

1New Money Required


Questions?
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Maturity/Renewal
The credit union will notify the account holder at least 20 days prior to maturity. Certificates with standard terms, including, but not limited to 6 months, 1 Year, 2 Years, 3 Years, 4 Years, and 5 Years, will automatically renew for the same term at the rate offered at the time of maturity unless the account holder informs the credit union otherwise, or the certificate term is no longer offered.

Certificate specials with non-standard terms, including but not limited to 9 months, 11 months, 13 months, and 15 months, will automatically roll over to the next lowest standard certificate term at the rate offered at the time of maturity unless instructed otherwise.

There is a grace period of ten (10) calendar days after maturity to change the term or withdraw the funds from the certificate account without being charged an early withdrawal penalty.


Early Withdrawal Penalty
If certificate funds other than dividends are withdrawn prior to maturity, the penalty assessed will be equal to one hundred and eighty (180) days of dividends.
The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.

Account Terms and Conditions

This Certificate requires a minimum $5,000 deposit. There is a maximum deposit amount of $100,000. Limit four Lightning Certificates per member.

*APY = Annual Percentage Yield. A penalty will be assessed for early withdrawals. Fees may reduce earnings. This Lightning Certificate Special applies to terms of 11 months or 23 months only and has a minimum balance of $5,000 and a maximum balance of $100,000. There is a limit of four Lightning Certificates per member. No add-on or step-up features are offered on these Certificates. Rates effective 11/18/2024 and are subject to change at any time without notice. Each Lightning Certificate will automatically roll over to the standard certificate term of 12 months at the rate offered at that time of maturity unless instructed otherwise. Not available for Youth or IRA Certificates. 1Must contain some or all money not currently on deposit at InFirst.