Certificates (CDs)
Get a guaranteed return with peace of mind.
Our Certificates of Deposit (CDs), range from 3 months to 65 months, offering a fixed rate of return and the assurance your money is safe.
You'll benefit from:
- Higher, guaranteed rates of return
- An even higher rate of return when you qualify for Rewards Rates1
- Peace of mind you don’t get from riskier investments
- Accounts that are federally insured
Looking for a better way to save?
Earn up to 3.70% APY* from your money and open an 11-month CD Special*.
Special: 7-Month No Penalty CD
Earn up to 3.00% APY**
A No Penalty CD offers ultimate flexibility for your funds:
Skip the penalty
Enjoy the freedom to withdraw any time after the first 6 days of funding.
Lock in a great rate
Take advantage of competitive rates with a No Penalty CD.
Save on your terms
Choose from a limited-time 7-month term.
Frequently Asked Questions
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Will I be penalized for early withdrawal?
You will not incur a penalty for early withdrawal. You can withdraw your full balance and interest any time after the first 6 days following the date you funded the account.
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How long are the No Penalty certificates available?
The No Penalty certificates are specials and are available for a limited time.
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Will my certificate mature into another No Penalty certificate?
No Penalty certificates are promotional. Promotional certificates will roll into a certificate with the next lower term length. Example, a 13-month promotional CD will roll into a traditional 12-month certificate upon maturity.
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How do I make a withdrawal?
Stop by a local Branch or give us a call at 800-388-7000 for assistance.
Opening an account online is easy:
Login
Log in to Digital Banking.
Fund
The minimum balance required to open a Certificate account is $500. The funds must be available in your membership at time of origination. Plan for any transfer from another financial institution ahead of time.
Select
Visit Open an Account/Loan, select Certificate of Deposits and follow the prompts.
The fine print, magnified.
A minimum of $500 is required to open any certificate product.
Rates are fixed and will not fluctuate during set term.
If access to funds is needed before maturity a penalty may be imposed. Except for any No Penalty CD (See chart).
Dividends are automatically credited to the certificate each month, or you may elect to have a monthly dividend check mailed.
All specials will rollover into the next lower standard term at maturity.
When your CD matures, you can withdraw your money at no charge during a 10-day grace period.
| Early withdrawal penalties will depend on your CD term. | |
|
3-24 month term |
90 days interest penalty |
|
25-36 month term |
180 days interest penalty |
|
Greater than 36 months |
270 days interest penalty |
Not Applicable for No Penalty CDs.
Get more for your money,
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Disclosure
1The minimum balance required to open a Certificate Account and obtain the above annual percentage yield (APY) is $500. Certificates with a balance of $0 will be closed 10 days after the open date. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. Penalty may reduce earnings. The APY is based on qualifying for the rewards rate. To qualify for a Rewards Rate Certificate Account, you must have two of the following relationships: direct deposit of at least $1,000 per month into a credit union checking account; at least $25,000 on deposit; or a qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates.
2The minimum balance required to open an IRA Certificate Account and obtain the above APY is $500. Certificates with a balance of $0 will be closed 10 days after the open date. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. IRA Certificate Accounts are not available in Puerto Rico.
*11-Month CD
Promotional rate accurate as of 11/1/2024 and subject to changes. The minimum balance required to open a Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. Certificates with a balance of $0 will be closed 10 days after the open date. The APY is based on the assumption that the dividends will remain in the account until maturity. A penalty will be imposed for early withdrawal. Penalty may reduce earnings. The APY is based on qualifying for the rewards rate. To qualify for a Rewards Rate Certificate Account, you must have two of the following relationships: direct deposit of at least $1,000 per month into a credit union checking account; at least $25,000 on deposit; or a qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union lean that is not in good standing or delinquent will disqualify you for Rewards Rate.
**13-Month CD
Promotional rate accurate as of 11/1/2024 and subject to changes. The minimum balance required to open a Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. Certificates with a balance of $0 will be closed 10 days after the open date. The APY is based on the assumption that the dividends will remain in the account until maturity. You may withdraw all your money including dividend earned, without any penalties, any time after the first 6 days following the date you funded your account. Withdrawals are not permitted during the first 6 days following the date you fund your account. The APY is based on qualifying for the rewards rate. To qualify for a Rewards Rate Certificate Account, you must have two of the following relationships: direct deposit of at least $1,000 per month into a credit union checking account; at least $25,000 on deposit; or a qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union lean that is not in good standing or delinquent will disqualify you for Rewards Rate.
Open an Account:
Current Members