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Certificates of Deposit

Guarantee your future and all the things that are on your horizon. You’re the expert on being you – and we’re the experts on money and how you can help you achieve your goals. A Certificate of Deposit gives you a guaranteed return on your investment that can put you a step closer to your dreams.

Our Certificates of Deposit offer flexible terms to fit any short or long-term savings plan and yield a guaranteed return. You can even use your Certificate as collateral for a personal loan if you need to establish or repair your credit.

  • Competitive interest rates
  • Flexible terms from 3 to 48 months
  • $1000 minimum at account opening
  • Use as collateral for a loan
  • Interest can be compounded, transferred, or dispersed

Current Rates

TermRate*APY**Minimum Balance to OpenMinimum Daily Balance to Earn APY
Effective: 9/23/2019
* NEW MONEY for all CD Specials
1 Rates subject to change without notice.
2 Annual Percentage Yield.
1, 3 Transaction limitations apply, per Regulation D - no more than six (6) transfers or withdrawals per calendar month or statement cycle can be conducted.
4 Terms less than 12 months earn simple interest. Dividends are compounded and paid monthly. Federal regulations require a penalty for early withdrawal on all term deposits.
5 Personal Community First MMDA available only with a checking account > $1,000 balance/direct deposit at the time of opening. Fees may reduce earnings.
**Refer to CCU's Fee Schedule and Account Product Disclosures for additional account requirements to earn interest. MEMBER NCUA, MSIC
3 Months0.20%0.20%$1,000.00$1,000.00
4 Months0.15%0.15%$1,000.00$1,000.00
6 Months0.30%0.30%$1,000.00$1,000.00
7 Months0.35%0.35%$1,000.00$1,000.00
9 Months0.70%0.70%$1,000.00$1,000.00
10 Months0.50%0.50%$1,000.00$1,000.00
11 Months0.60%0.60%$1,000.00$1,000.00
12 Months1.00%1.00%$1,000.00$1,000.00
13 Months0.80%0.80%$1,000.00$1,000.00
13 Months (Special)1.98%2.00%$1,000.00$1,000.00
14 Months0.85%0.85%$1,000.00$1,000.00
15 Months0.85%0.85%$1,000.00$1,000.00
15 Months (Somerville Special)1.25%1.26%$1,000.00$1,000.00
18 Months1.00%1.00%$1,000.00$1,000.00
20 Months1.14%1.15%$1,000.00$1,000.00
20 Months (Special)2.23%2.25%$1,000.00$1,000.00
24 Months1.49%1.50%$1,000.00$1,000.00
36 Months1.44%1.45%$1,000.00$1,000.00
40 Months1.44%1.45%$1,000.00$1,000.00
40 Months (Special)2.47%2.50%$1,000.00$1,000.00
48 Months1.75%1.76%$1,000.00$1,000.00

For more information or to open an account, please visit one of our branches or call us at 800-862-7009. Become a member today and live more vibrantly!

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