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Certificate
Accounts

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A Certificate Account is a savings tool that offers you a higher guaranteed rate of return on your money, with the security of knowing that your funds are insured.

The annual percentage yield (APY) is fixed for the term of the deposit. JetStream Federal offers you the flexibility to lock up your funds for short or long terms. Certificates are automatically renewed upon maturity, for your convenience.

The National Credit Union Administration (NCUA), an agency of the U.S. Government, federally insures your accounts to $250,000.

Enjoy the Advantages of a
Certificate Account

Flexible Term Length

You can choose from a 3-month term to a 60-month term.

Safe savings opportunity

The annual percentage yield (APY) is fixed for the term of the deposit.

Easy Account Access

You will always have easy access to your account through online or mobile banking.

Peace of Mind

Your funds are federally-insured by the National Credit Union Association (NCUA).

Why Choose a Certificate Account

  • You get the flexibility: open with as little as $500 and select a term at a fixed dividend rate.
  • It's a way to keep your savings in a safe place so your money can grow.
  • Your funds are insured by the National Credit Union Association (NCUA) up to $250,000.
  • You'll enjoy a higher rate-of-return compared to traditional savings accounts. Check out our certificate rates here.
  • Certificates are automatically renewed upon maturity, or we can automatically transfer the certificate funds to your savings or checking.
  • Dividends are compounded every monthor the Dividend Withdrawal option lets you transfer dividends earned each month to your savings or checking rather than earning compounded dividends. There is no penalty for dividend withdrawals, but they reduce earnings (because the dividends do not compound). Also, if you opt for dividend withdrawals and close a certificate before it matures, the early withdrawal penalty (normally deducted from earnings) is withdrawn from your principal instead, as earnings have already been paid to you.
  • Withdrawals, early withdrawal penalties, or fees will reduce your earnings.
Open an Account
Certificate Rates

Certificate Account
Frequently Asked Questions

How do I open an Account?

To open a certificate account if you’re already a current member, call us, visit any of our branches, or send us a secure message through digital banking. If you’re not a current member, Apply Here.

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Are beneficiaries allowed on certificates?

Yes. You can assign beneficiaries on your certificate account. To add a beneficiary to your certificate account call us, stop by any of our branches, or send us a secure message through digital banking. Beneficiaries are not enforceable if an account owner is a resident of Puerto Rico.

Are joint owners allowed on certificates?

Yes. YThe same ownership structure of the Membership Savings account also applies to certificate accounts opened under that membership.

Is there a penalty if I close my Jetstream Certificate early?

When you open a JetStream Certificate, you choose a term—from as short as 3 months to as long as 60 months. But life happens—and if you need to access your money before the term ends, there may be an early withdrawal penalty. Withdrawals, early withdrawal penalties, or fees will reduce your earnings.

Here’s how it works:

  • For certificates under 1 year: The penalty is equal to 30 days of earned dividends.
  • For certificates of 1 year or more: The penalty is equal to 90 days of earned dividends.

We’re here to help you make the best financial decisions. If you're thinking about withdrawing early, reach out to a JetStream team member so we can walk you through your options.

Can I change the type or term of my certificate after it is opened?

You cannot change the type or term of a certificate after it has been opened. Changes to the type or term can only be made at maturity.

Federal Insurance

The National Credit Union Administration (NCUA) is a U.S. government agency that federally insures your savings accounts up to $250,000. Plus, individual retirement accounts are insured separately up to $250,000.

What does this mean for you? This means that the deposits that you make at JetStream Federal are protected by an established U.S. government agency. By putting your trust in our Miami-based credit union, you can rest easy knowing that your money is in good hands.

For more information on how your accounts are federally insured, take a few minutes to review this information provided by the NCUA: