Great rates aren’t only promotional at your Credit Union. Enjoy year-round, industry-leading rates with terms from 3 to 60 months and then we’ll make things extra interesting….
If you enroll in Direct Deposit, we’ll bump up your rate by 0.25%. And members age 61 and over receive additional basis points—one for each year starting at age 61 up to a maximum of 15 basis points! For example, if you’re currently 70 years old, we’ll add 10 basis points to your certificate rate at the time of opening. This means the current twelve month certificate rate of 1.20% will be adjusted to 1.30%!
- Earn more on balances of $100,000+
- Special 24-month certificate available for kids, teens, and young adults
- Dividends can be automatically deposited to another account each month
So what are you waiting for? Click below to open a certificate todayOpen a Certificate of Deposit
Certificate of Deposit Rates
|Term||$1000 minimum||$100,000 minimum|
- † Not available for IRA certificates
Compare our 12 month Certificate Rate!
APY = Annual Percentage Yield. Rates current as of February 19, 2019 and subject to change. Rates are based on a minimum deposit of $1,000, except Wells Fargo, which is based on a minimum deposit of $2,500, and Fifth Third, which is based on a minimum deposit of $1,000. Rate survey taken from www.wellsfargo.com, www.chase.com and www.53.com.
†Not available for IRA Certificates.
*APY = Annual Percentage Yield. Rates current as of February 19, 2019. All rates except certificate rates are subject to change retroactively to the beginning of the month, as determined at the monthly Board of Directors meeting. Certificate rates subject to change at any time and are subject to substantial penalties for early withdrawal. Extra bonus rates apply only to certificate accounts.
Direct Deposit (DDEP) Bonus For Share Certificates & IRA Certificates: Certificate account holders can get an additional 0.25% if they have DDEP in the amount of $1,000.00 or more monthly. (Members paid bi-monthly can have DDEP deposits of $500 each to reach the $1,000 monthly minimum). Rate bonus will be applied upfront after account opening. If a qualifying DDEP cannot be verified at time of account opening, the first succeeding DDEP must be received within a maximum of 60 days from the date that the promotional account is opened. If a member has direct deposit under a different account number than the account that is being used to open the new certificate, he/she can still qualify for the 0.25% bonus. If DDEP has not been received within the 60-day timeline the bonus will be forfeited, the rate will be reduced by 0.25%, and future earnings will be at the reduced rate. DDEP must be maintained for this bonus, and the bonus can be forfeited if DDEP is cancelled or falls below qualifying threshold during the term of the certificate. There will be no Rate Bonus on current certificates, however bonus can be added at time of renewal and during the grace period.
The maximum bonus of 0.50% is inclusive of any of the three promotional bonuses: 0.25% for DDEP, 0.01% for every year starting at age 61 up to 75 years (max of 0.15%), and deposits over $100,000 earn an additional 0.15%. After all bonuses have been applied, the combined total of extra basis points cannot exceed 0.50%. Rates and terms subject to change at any time.
Share accounts are federally insured to $250,000, retirement accounts up to $250,000, by the NCUA, National Credit Union Administration, a federal government agency.
18 Month Certificates will automatically renew for 12 months at maturity.