Certificates of Deposit

Certificates of Deposit are safe, stable savings options that allow you to lock in a fixed interest rate for the term of the certificate. They generally offer a higher yield than Savings or Money Market accounts.

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Certificate of Deposit Rates

Product	APY	APR	Compounded & Credited	Minimum Balance
5 Month CD Special	5.25%	5.12%	Monthly	$500
9 Month CD Special	5.25%	5.12%	Monthly	$500
13 Month CD Special	5.25%	5.12%	Monthly	$500
6 Month Standard CD	4.20%	4.12%	Monthly	$500
12 Month Standard CD	4.50%	4.40%	Monthly	$500
24 Month Standard CD	4.20%	4.12%	Monthly	$500
36 Month Standard CD	3.75%	3.68%	Monthly	$500
6 Month Jumbo CD	4.20%	4.12%	Monthly	$10,000
12 Month Jumbo CD	4.50%	4.40%	Monthly	$10,000
24 Month Jumbo CD	4.20%	4.12%	Monthly	$10,000
36 Month Jumbo CD	3.75%	3.68%	Monthly	$10,000

APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rates are subject to change without notice. Minimum balance shown reflects the minimum to open the account. APY assumes principal and interest remain on deposit for the full term at the quoted rate. Early withdrawal penalties may apply if any portion of the principal is withdrawn prior to maturity. Interest earned may be withdrawn at any time without penalty. If CD is closed before the accrued interest is credited, accrued interest will be paid. 5 Month and 9 Month CD Specials will renew at the posted 6 Month Standard CD rate upon completion of the special offer period. 13 Month CD Special will renew at the posted 12 Month Standard CD rate upon completion of the special offer period. APY is accurate as of the last dividend declaration.

a savings option that delivers guaranteed growth

Certificates of Deposit (CDs) are great solutions for people who want to earn top dividend rates and don’t require the flexibility to withdraw funds at any time. These risk-free investments give you a guaranteed return, have a low minimum deposit requirement and offer:

Your choice of terms - 6, 12, 24 or 36 months
Custodial and IRA CDs are also available
Automatic renewal with 7-day grace period
Dividends are compounded and credited monthly
$500 minimum opening balance ($10,000 for jumbo certificates)
Funds are federally insured to at least $250,000 by the National Credit Union Administration