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Whether it’s a 6-month term or a 5-year term, a Share Certificate from First American is a great investment at any time of year. Get competitive fixed rates — higher than standard savings — with no setup or maintenance fees. 

It’s hard to go wrong. Diversify your investment portfolio and get a guaranteed return. When your term ends, you can cash out or even better, roll your funds into another share certificate and keep earning competitive dividends.



  • Competitive fixed rates, higher than regular savings
  • Receive an even higher rate by selecting a longer term
  • Terms range from 6 months to 60 months
  • Dividends paid quarterly on certificates up to $100,000
  • Dividends paid monthly on certificates $100,000 and up
  • No setup or maintenance fees
  • Early withdrawals subject to penalty
  • $500 minimum deposit to open
  • Certificates always insured
Because there's no better time!