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Certificate of Deposit (CD) Accounts
A Certificate of Deposit (CD) is a fixed-rate, fixed-term investment product. A higher rate of interest is guaranteed over the rate paid on a liquid account. In return, the Member commits to keeping the funds on deposit for a specific length of time. Penalties apply when funds are withdrawn before the account’s maturity date.
Benefits
Fixed Rates
Your money is secure and you know the interest rate you will earn.
Minimal Fees
Penalties will apply if you withdraw your money before the end of the term.
Superior Rates
Earn more interest than you would with a traditional savings account.
Add On Benefit
You can add on to the CD at any time. Minimum $250 per add on.
Certificate Of Deposit
If you're looking for a secure way to grow your money, a CD could be right for you. A Certificate of Deposit is a type of savings account with a guaranteed rate for a specified term. One of the most appealing aspects of a CD is that it's a relatively safe investment. When you open a CD, you commit to keeping the money in the account until it reaches its maturity date. Generally, the farther away the maturity date, the higher your interest rate. A CD can be an effective way to help your money grow at a great rate and is not affected by downturns in the economy.
CD Term
Membership Level1
Minimum
to Open
to Open
Minimum Balance‡
Interest Rate
APY2
6 months
Basic/Value
$500.00
$500.00
0.40%
0.40%
6 months
Business
$500.00
$500.00
0.40%
0.40%
6 months
Select
$500.00
$500.00
0.50%
0.50%
6 months
Premium
$500.00
$500.00
0.65%
0.65%
9 months
Basic/Value
$500.00
$500.00
0.45%
0.45%
9 months
Business
$500.00
$500.00
0.45%
0.45%
9 months
Select
$500.00
$500.00
0.55%
0.55%
9 months
Premium
$500.00
$500.00
0.70%
0.70%
1 year
Basic/Value
$500.00
$500.00
0.55%
0.55%
1 year
Business
$500.00
$500.00
0.55%
0.55%
1 year
Select
$500.00
$500.00
0.65%
0.65%
1 year
Premium
$500.00
$500.00
0.80%
0.80%
2 year
CD Boost
$500.00
$500.00
0.60%
0.60%
2.5 years
Basic/Value
$500.00
$500.00
0.70%
0.70%
2.5 years
Business
$500.00
$500.00
0.70%
0.70%
2.5 years
Select
$500.00
$500.00
0.80%
0.80%
2.5 years
Premium
$500.00
$500.00
0.95%
0.95%
3 year
CD Boost
$500.00
$500.00
0.70%
0.70%
5 years
Basic/Value
$500.00
$500.00
1.00%
1.00%
5 years
Business
$500.00
$500.00
1.00%
1.00%
5 years
Select
$500.00
$500.00
1.10%
1.10%
5 years
Premium
$500.00
$500.00
1.25%
1.25%
For more information, please see our Investment page. Please contact a Credit Union employee or call us for further information about applicable fees and terms.
Federally insured by NCUA
2APY (Annual Percentage Yield) is the actual effective annual yield after the compounding of interest/dividends.
‡Minimum Balance to Maintain Stated APY
Rates and yields are subject to change without notice. Some accounts require a specific minimum balance to earn the stated APY. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. No broker or institutional deposits will be accepted.
Rates effective 05/12/2022.
Breaking Down Savings Timelines
Are you thinking about investing but aren’t sure where to begin? CDs and IRAs are a good, low risk place to start investing in your future.
We Make Switching Easy
Our automated account switching solution makes it easy for you to quickly and securely switch over your recurring direct deposits and automatic account payments.
