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Lock in Your Financial Growth with a Secure, Guaranteed Certificate

Get a Guaranteed Return on Your Savings

Open Certificate

Choose the term that fits your goals and enjoy the peace of mind that comes with a fixed rate for the entire duration. With Cotton Belt FCU, your money is fully insured, and your return is guaranteed.

  • Flexible terms: 3, 6, 12, 18, or 24 months
  • Minimum open deposit: $500
  • Fixed, guaranteed interest rate
  • No monthly or service fees
Open Certificate

Opening your certificate is easy.

Get started in just a few minutes online, or stop by any of our branches for in-person assistance. Not a member yet? Explore membership perks to discover the benefits of joining Cotton Belt FCU.

Need to access your funds early?

If plans change and you need to withdraw early, you may forfeit some interest (usually between 90-180 days of earnings). Certificates are designed for funds you won’t need right away, but we understand—life happens!

  

Banking Built to Help You Thrive

As your local, member-owned credit union, our mission is simple: offer better rates, fewer fees, and service that puts you first.
Learn more about our commitment to your success.
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