Certificates (CDs)

Get a guaranteed return with peace of mind.

Our Certificates of Deposit (CDs), range from 3 months to 60 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 an IRA or Roth IRA? IRA certificates are also available.2



Looking for a better way to save?

Earn 3.25% APY* from your money and open an 11-month CD Special*.

Open an Account
CD special

certificates

Special: 13-Month No Penalty CD

Earn 2.50% APY

A No Penalty CD offers ultimate flexibility for your funds:

no fees icon

Skip the penalty

Enjoy the freedom to withdraw any time after the first 6 days of funding.

Unlimited ash rewards icon

Lock in a great rate

Take advantage of competitive rates with a No Penalty CD.

stopwatch with a dollar sign

Save on your terms

Choose from a limited-time 13-month term.

Frequently Asked Questions

  • 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.

  • How long are the No Penalty certificates available?

    The No Penalty certificates are specials and are available for a limited time.

  • 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.

  • 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:
#1 icon

Login

Log in to Digital Banking.

#2 icon

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.


#3 icon

Select

Visit Open an Account/Loan, select Certificate of Deposits and follow the prompts.


The fine print, magnified. 

Checkmark A minimum of $500 is required to open any certificate product.

Checkmark Rates are fixed and will not fluctuate during set term.

Checkmark If access to funds is needed before maturity a penalty may be imposed. Except for any No Penalty CD (See chart).

Checkmark Dividends are automatically credited to the certificate each month, or you may elect to have a monthly dividend check mailed.

Checkmark All specials will rollover into the next lower standard term at maturity.

Checkmark 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.

3-12 month term

30 days interest penalty

13-24 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, 

  • Disclosure

    ​​​​​​​​​​​​​​

    1The minimum balance required to open a Certificate Account and obtain the above annual percentage yield (APY) is $500. 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 $500 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 cars 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. 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 12/1/2022 and subject to changes.  The minimum deposit required to open a Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. 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.  


    **13-Month CD 

    Promotional rate accurate as of 12/1/2022 and subject to changes. The Annual Percentage Yield (APY) assumes that dividends will remain in the account until maturity. The minimum deposit required to open a Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. 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. 




Open an Account:

Current Members

Hi, friend! Log in to Digital Banking, visit a Branch or call 800-388-7000.

New Members

Welcome! Visit a Branch or call 877-451-5610.
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