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
| Term | Rate* | APY** | Minimum Balance to Open | Minimum Daily Balance to Earn APY |
|---|---|---|---|---|
| 3 Months | 4.16% | 4.25% | $1,000.00 | $1,000.00 |
| 4 Months | 4.16% | 4.25% | $1,000.00 | $1,000.00 |
| 6 Months | 4.16% | 4.25% | $1,000.00 | $1,000.00 |
| 7 Months | 3.92% | 4.00% | $1,000.00 | $1,000.00 |
| 9 Months | 3.92% | 4.00% | $1,000.00 | $1,000.00 |
| 10 Months | 3.68% | 3.75% | $1,000.00 | $1,000.00 |
| 11 Months | 3.44% | 3.50% | $1,000.00 | $1,000.00 |
| 12 Months | 3.44% | 3.50% | $1,000.00 | $1,000.00 |
| 13 Months | 3.44% | 3.50% | $1,000.00 | $1,000.00 |
| 14 Months (SPECIAL) | 3.68.% | 3.75% | $1,000.00 | $1,000.00 |
| 15 Months | 2.96% | 3.00% | $1,000.00 | $1,000.00 |
| 18 Months | 2.47% | 2.50% | $1,000.00 | $1,000.00 |
| 20 Months | 1.98% | 2.00% | $1,000.00 | $1,000.00 |
| 24 Months | 1.49% | 1.50% | $1,000.00 | $1,000.00 |
| 36 Months | 1.49% | 1.50% | $1,000.00 | $1,000.00 |
| 40 Months | 0.50% | 0.50% | $1,000.00 | $1,000.00 |
| 48 Months | 0.50% | 0.50% | $1,000.00 | $1,000.00 |
| Effective: 09/19/2024 * 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 |
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If you need help or would like more information, please visit one of our branches or call us at 800-862-7009. Become a member today and live more vibrantly!