APY* AS HIGH AS
10 Mo | 3.90%
20 Mo | 3.75%
*annual percentage yield
Certificates of Deposit
A savings account a great start to your financial freedom, but a Certificate of Deposit is even better. You pick the term and then stand back and watch while you safely earn a higher rate of return with no worries and no maintenance fees. When your CD matures, withdrawal the money without a penalty or roll the balance and watch your investment continue to grow.
• Start with a minimum deposit as low as $500
• Youth Certificates availablef or members age 18 & under (as ow as $100 deposit)
• Choose a maturity date from 6 to 60 months
• Dividends may be paid to you or reinvested back into the certificate quarterly
• CDs with a term of 24 months or longer will have a one time rate change option, specials excluded
• Certificates redeemed prior to maturity may incur an early withdrawal penalty
• Money put into an Individual Retirement Account (IRA) can be invested in an IRA Certificate of Deposit. Since you will not be accessing the money until retirement, you can place the money in CDs with longer maturity periods. CDs may pay higher interest rates and offer a safe, fixed return
• IRA Certificates of Deposit are a great way to ensure your IRA does not lose money even if the stock market declines
• Our CDs are fully covered by NCUA Insurance up to $250,000 and can help protect and balance any IRA portfolio
CD Specials
| Term | Interest | APY* |
|---|---|---|
| 10 Month Term | compounded quarterly | 3.85 / 3.90% APY* |
| 20 Month Term | compounded quarterly | 3.70 / 3.75% APY* |
Standard Rates
| Term | Interest | APY* |
|---|---|---|
| 6 Month Term | compounded quarterly | 3.22 / 3.25% APY* |
| 12 Month Term | compounded quarterly | 3.26 / 3.30% APY* |
| 18 Month Term | compounded quarterly | 3.46 / 3.50% APY* |
| 24 Month Term | compounded quarterly | 3.36 / 3.40% APY* |
| 36 Month Term | compounded quarterly | 3.22 / 3.25% APY* |
| 48 Month Term | compounded monthly | 3.12 / 3.15% APY* |
| 60 Month Term | compounded monthly | 3.07 / 3.10% APY* |
Rates Current as of November 1, 2025
Calculate Your Potential
Our savings options come in a variety of shapes and sizes. Calculate where your deposit might go:
Contact Us
Have more questions regarding our CDs? Let us know!
