Certificate of Deposit
If you like the idea of earning a return that’s higher than standard savings options, lock in a great rate for a fixed period of time with a certificate of deposit!
Save – and Earn – with a Certificate of Deposit[1]
Certificates of Deposit (CDs)[1] allow you to save and earn by locking your funds into our highest interest rates[2] – protecting you from a downswing in market rates. Plus, all share deposits totaled and combined are safely insured up to $250,000 by the National Credit Union Administration (NCUA). Select from the options below to determine which account is best for you:
Standard CDs
- Terms range from 91 days to 60 months
- Competitive interest rates
- Minimum opening deposit of $500[2]
You can also contact Member Services at (800) 849-8431 for additional information, or stop by your nearest branch.
Jumbo CDs
- Earn a yield that is 0.10% higher than a Standard Certificate
- Competitive interest rates
- Minimum opening deposit of $100,000[2]
You can also contact Member Services at (800) 849-8431 for additional information, or stop by your nearest branch.
IRA CDs
- Perfect for strengthening retirement savings
- Competitive interest rates
- Minimum opening deposit of $2,000[2]
You can also contact Member Services at (800) 849-8431 for additional information, or stop by your nearest branch.
First-Time Savers’ CDs
- Available to youth members ages 0 to 17
- Competitive interest rates
- Minimum opening deposit of $500[2]
You can also contact Member Services at (800) 849-8431 for additional information, or stop by your nearest branch.
Certificate and IRA Rate
| Interest Rate (%) | APY (%)3 | Minimum Opening Deposit |
|
|---|---|---|---|
| Certificate Less Than 1 Year Account | $500.00 | ||
| 91 Day | 2.624% | 2.65% |
|
| 6 Month | 3.568% | 3.60% | |
| Certificate 1 Year or Greater Account | $500.00 | ||
| 12 Month | 3.440% | 3.50% | |
| 24 Month | 3.198% | 3.25% | |
| 36 Month | 2.956% | 3.00% | |
| 48 Month | 2.956% | 3.00% | |
| 60 Month | 2.956% | 3.00% | |
| IRA Certificate Account | $2,000.00 | ||
| 12 Month | 3.440% | 3.50% | |
| 24 Month | 3.198% | 3.25% | |
| 36 Month | 2.956% | 3.00% | |
| 48 Month | 2.956% | 3.00% | |
| 60 Month | 2.956% | 3.00% | |
| Jumbo Certificate Less Than 1 Year Account | $100,000.00 | ||
| 91 Day | 2.722% | 2.75% | |
| 6 Month | 3.666% | 3.70% |
|
| Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate | $100,000.00 | ||
| 12 Month | 3.537% | 3.60% | |
| 24 Month | 3.295% | 3.35% | |
| 36 Month | 3.053% | 3.10% | |
| 48 Month | 3.053% | 3.10% | |
| 60 Month | 3.053% | 3.10% | |
[1]You must be a member to open a Certificate of Deposit. Not a member yet? Find out if you’re eligible to join!
[2]Penalties apply for early withdrawals. Programs, rates, terms, and conditions are subject to change without notice.
[3]APY=Annual Percentage Yield. The rate may change after the account is opened. Fees could reduce the earnings on the account. Programs, rates, terms and conditions are subject to change without notice