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).

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Term Dividend Rate* APY**
91 Days 0.05 % 0.05 %
6 Month 0.10 % 0.10 %
9 Month 0.45 % 0.45 %
12 Month 0.15 % 0.15 %
15 Month FLEX 0.15 % 0.15 %
16 Month "AWARE" 0.25 % 0.25 %
18 Month 0.20 % 0.20 %
22 Month 0.65 % 0.65 %
24 Month 0.25 % 0.25 %
33 Month FLEX 0.30 % 0.30 %
36 Month 0.30 % 0.30 %
48 Month 0.50 % 0.50 %
60 Month 0.70 % 0.70 %
60 Month Liquid IRA 0.996 % 1.00 %
72 Month 0.80 % 0.80 %
84 Month 0.90 % 0.90 %
96 Month 0.996 % 1.00 %
108 Month 0.996 % 1.00 %
120 Month 0.996 % 1.00 %

Rates as of 7/1/2021.

Deposit Rates

Consumer Fee Schedule

Business Fee Schedule

Rates are subject to change without notice.

For deposit rates, see the appropriate fee disclosure and rate sheet for minimum balance requirements and dividend information.

For loan rates, rate quoted as a fixed annual percentage rate (APR).

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. 

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