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Smart Growth Certificate of Deposit

Your Small Starts Lead to Big Rewards

Start your savings journey with just $100 and experience consistent growth. Every cent you invest is a step towards a brighter future. Our Smart Growth CD is crafted meticulously for those who believe in consistent efforts and amplified results.
Open Today

Evolve as you save

Not a fan of one-off deposits? Unlike traditional CDs that restrict further contributions, this unique CD encourages you to keep adding funds. Whether you're setting up your first nest egg or growing an existing one, let your savings pace with your life's journey.

Smart Growth CD Features

  • High Dividends

    Dive into premium returns with high dividends on eligible balances. 

  • Swift Access with eStatements

    Go paperless and retrieve your statements with ease.1

  • Guaranteed Safety

    Rest assured, your funds receive federal insurance up to $250,000.

  • Stay Committed with $50

    Elevate your savings with a minimal direct deposit of $50 each month.

  • Anytime Deposits

    The more you feed your CD, the more it grows. Deposit whenever, as often as you like.

  • Start with just $100

    Begin your journey to savings growth with an easy start. 

Smart Growth CD Rate

Term in Months Required Balance to Open & Earn APY Dividend Rate APY2

Term in Months

12 Month

Required Balance to Open & Earn APY

$100 and over

Dividend Rate

4.169%

APY2

4.25%

Ready to Elevate Your Savings?

Stop by one of our Houston-area branches, give us a call, or quickly apply online to get started.

713-676-5206
MembershipAdvisors@FSCU.com
Apply Online
[1]

A recurring fee will apply if you choose to receive an account statement in paper form; refer to the Fee Schedule for details. To avoid the paper statement fee, log in to Digital Banking to change your statement preference to eStatements.

[2]

APY = Annual Percentage Yield. APYs are accurate as of 10/16/2024 and subject to change. Dividends are compounded and credited monthly. CDs may be subject to a penalty for early withdrawal. Fees may reduce earnings.