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Bump Up Certificate of Deposit

Enjoy Tomorrow's Rates, Today

Why settle for static rates when you can enjoy the flexibility of our Bump Up CD? Start with a competitive rate today, and if the rates soar tomorrow, just bump it up!
Open Today

Earn an extra 0.05% APY1 with a $1,000 monthly direct deposit

Learn More

Why Our Bump Up CD Shines

  • Swift Access with eStatements

    Go paperless and retrieve your statements with ease.2

  • Guaranteed Safety

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

  • An Easy Start

    Begin your journey with just a $1,000 deposit.

  • Adaptable Rates

    Notice a surge in rates? Utilize the one-time bump feature and enjoy increased dividends during your term.3

  • High Dividends

    Dive into premium returns with high dividends on eligible balances. 

  • Additional Direct Deposit Benefits

    Pair with a First Service checking account and direct deposit, and you can earn even higher dividends.1

Bump Up CD Rates

Term in Months Required Balance to Open & Earn APY Dividend Rate APY4

Term in Months

12 Month

Required Balance to Open & Earn APY

$1,000 - $49,999.99

Dividend Rate

4.073%

APY4

4.15%

Term in Months

12 Month (Jumbo)

Required Balance to Open & Earn APY

$50,000 and over

Dividend Rate

4.169%

APY4

4.25%

Term in Months

18 Month

Required Balance to Open & Earn APY

$1,000 - $49,999.99

Dividend Rate

3.880%

APY4

3.95%

Term in Months

18 Month (Jumbo)

Required Balance to Open & Earn APY

$50,000 and over

Dividend Rate

3.977%

APY4

4.05%

Ready to Elevate Your Savings?

Stop by one of our 14 Houston-area branches, give us a call, or quickly apply online to get started.

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

To receive a bonus 0.05% incentive rate on a Promotional CD each month, the member must have a total of at least $1,000 direct deposited into a First Service checking account in the last 30 days. Dividends are compounded and credited monthly to the Promotional CD account. CDs may be subject to a penalty for early withdrawal. Fees may reduce earnings. Other restrictions may apply.

[2]

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.

[3]

Bump Up CD holders may request to have their CD rate increased to the currently offered rate one time at any point during the term of their promotional CD. Rate can only be increased once during the term of the CD. The increased rate will only apply to the period of time remaining on the initial certificate term and will not apply for auto-renewals. Other restrictions may apply.

[4]

APY = Annual Percentage Yield. APYs are accurate as of 4/28/2025 and subject to change. Dividends are compounded and credited monthly. CDs may be subject to a penalty for early withdrawal. Fees may reduce earnings.