Our 18-month Certificate of Deposit pays a guaranteed 3.51% APY.*
Save Smarter
Certificates of Deposit
In a changing financial world, it’s comforting to know your money is always moving forward, helping you confidently reach your savings goals.
- A Certificate of Deposit allows for greater flexibility and guaranteed interest over the term of the deposit*
- Most Certificate of Deposit accounts can be opened with as little as $500.00
How to Open
You can open our 7-month, 9-month, 10-month and 18-month CDs online. To open other terms, please call our Member Service Center at 800.498.8930 for more information or visit one of our six locations to open your account today.
DISCLOSURE
Penalties for early withdrawal apply. See a branch representative for details.
Certificates of Deposits Explained
Rates
Active as of 04.23.2025
Certificates of Deposit
| Term | Minimum to Open | Minimum Daily Balance to Earn APY | APY* | How to Open |
|---|---|---|---|---|
| 3 Months | $500.00 | $500.00 | .10% | Contact Us |
| 6 Months | $500.00 | $500.00 | 3.50% | Contact Us |
| 7 Months | $500.00 | $500.00 | 4.00% | Open Now |
| 9 Months | $500.00 | $500.00 | 3.00% | Open Now |
| 10 Months | $500.00 | $500.00 | 3.75% | Open Now |
| 12 Months | $500.00 | $500.00 | 3.00% | Contact Us |
| 15 Months | $500.00 | $500.00 | 3.25% | Contact Us |
| 18 Months | $500.00 | $500.00 | 3.51% | Open Now |
| 24 Months | $500.00 | $500.00 | 3.50% | Contact Us |
| 30 Months | $500.00 | $500.00 | .40% | Contact Us |
| 36 Months | $500.00 | $500.00 | .45% | Contact Us |
| 48 Months | $500.00 | $500.00 | .55% | Contact Us |
| 60 Months | $500.00 | $500.00 | .65% | Contact Us |
DISCLOSURES*
DISCLOSURES
Interest Rates are subject to change without notice and offer may be withdrawn at any time.
*Annual Percentage Yield (APY) is accurate as of the date reflected above. APY assumes principal and interest remain on deposit for the term of the certificate. The minimum to open a Certificate of Deposit (CD) or earn APY is $500. All CDs are available for Individual Retirement (IRA) deposits. Fees could reduce the earnings. A penalty will be imposed for early withdrawal. For IRA accounts, additional IRS penalties may apply. Consult your tax advisor.
