Certificate Rates
FORUM offers various certificate terms and competitive dividend rates. A FORUM Credit Union Certificate is a great way to lock in a high dividend rate on your savings. See below for certificate rates and the high dividend rate you could receive (all rates are for IRAs, HSA, and business certificates with the exception of the Liquid IRA).
| Term | Dividend Rate* | APY** |
|---|---|---|
| 91 Days | 0.75 % | 0.75 % |
| 6 Month | 3.92 % | 4.00 % |
| 9 Month | 4.01 % | 4.10 % |
| 12 Month | 4.06 % | 4.15 % |
| 18 Month | 4.16 % | 4.25 % |
| 24 Month | 3.58 % | 3.65 % |
| 36 Month | 3.44 % | 3.50 % |
| 48 Month | 3.44 % | 3.50 % |
| 60 Month | 3.19 % | 3.25 % |
| 60 Month Liquid IRA | 3.44 % | 3.50 % |
| 72 Month | 3.19 % | 3.25 % |
| 84 Month | 3.19 % | 3.25 % |
| 96 Month | 3.19 % | 3.25 % |
| 108 Month | 3.19 % | 3.25 % |
| 120 Month | 3.19 % | 3.25 % |
| 52 Week Money Challenge Account | 0.75 % | 0.75 % |
| Sprout Account | 0.99 % | 1.00 % |
| Term | Dividend Rate* | APY** |
|---|---|---|
| Term - 91 Days | 0.75 % | 0.75 % |
| Term - 6 Month | 3.92 % | 4.00 % |
| Term - 9 Month | 4.01 % | 4.10 % |
| Term - 12 Month | 4.06 % | 4.15 % |
| Term - 18 Month | 4.16 % | 4.25 % |
| Term - 24 Month | 3.58 % | 3.65 % |
| Term - 36 Month | 3.44 % | 3.50 % |
| Term - 48 Month | 3.44 % | 3.50 % |
| Term - 60 Month | 3.19 % | 3.25 % |
| Term - 60 Month Liquid IRA | 3.44 % | 3.50 % |
| Term - 72 Month | 3.19 % | 3.25 % |
| Term - 84 Month | 3.19 % | 3.25 % |
| Term - 96 Month | 3.19 % | 3.25 % |
| Term - 108 Month | 3.19 % | 3.25 % |
| Term - 120 Month | 3.19 % | 3.25 % |
| Term - 52 Week Money Challenge Account | 0.75 % | 0.75 % |
| Term - Sprout Account | 0.99 % | 1.00 % |
Rates as of 10/28/2026.
Rates are subject to change without notice.
For deposit accounts, see the fee disclosure and rate schedule for details on minimum balances, dividends, and any requirements or limitations.
For loan rates, rate quoted as a fixed annual percentage rate (APR).
For Business Cash Management Money Market accounts, you must have a Business Analysis Checking account. If your Business Analysis Checking account is closed, within sixty (60) days of the closure any funds in your Business Cash Management Money Market account will be transferred to a Prestige Money Market account or another related FORUM account.
Loan rates listed are limited to A+ tiers only. Higher loan rates may apply based on credit worthiness.
Loan rates may vary according to the market based on prime rate.
*APY - Annual Percentage Yield. Minimum $500 required to open. No maximum limit. Penalties assessed for early withdrawal. Fees may reduce earnings.