Certificates of Deposit (CDs)
The next stop on your savings journey. Our Certificates of Deposit offer superior interest rates, have many convenient features and options, and are available in a variety of terms.
Standard CDs
Earn a fixed rate of interest over the entire period of the investment. Starting minimum deposit is $500. These CDs are eligible for our Member Saver Reward1.
Effective December 28, 2023
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 6 Months | 4.24% | 4.32% |
| 12 Months | 4.01% | 4.08% |
| 18 Months | 3.99% | 4.06% |
| 24 Months | 3.79% | 3.86% |
| 36 Months | 3.93% | 4.00% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 4.32% | 4.76% | 5.19% | 5.62% | 6.05% |
| 4.08% | 4.49% | 4.90% | 5.31% | 5.72% |
| 4.06% | 4.47% | 4.88% | 5.28% | 5.69% |
| 3.86% | 4.24% | 4.63% | 5.01% | 5.40% |
| 4.00% | 4.40% | 4.80% | 5.20% | 5.60% |
Simple CDs
Earn a fixed rate of interest over the entire period of the investment. Starting minimum deposit of $500. Our Simple CDs offer our highest APY for the term of the CD but are not eligible for the potential year-end Member Saver Reward1.
Effective March 6, 2024
| Term Length | Interest Rate2 | APY3 |
|---|---|---|
| 3 Months5 | 5.18% | 5.30% |
| 6 Months | 5.09% | 5.21% |
| 12 Months | 4.81% | 4.92% |
| 13 Months SPECIAL | 5.13% | 5.25% |
| 18 Months | 4.79% | 4.90% |
| 24 Months | 4.55% | 4.65% |
| 36 Months | 4.71% | 4.81% |
| 48 Months | 4.41% | 4.50% |
| 60 Months | 4.41% | 4.50% |
Bump Rate CDs
The bump rate feature lets you invest long-term with increased flexibility! If rates increase, CD owners have the option to bump the rate one time during the term. Starting minimum deposit is $500. These CDs are eligible for our Member Saver Reward1.
Effective March 6, 2024
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 48 Months | 3.68% | 3.74% |
| 60 Months | 3.68% | 3.74% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 3.74% | 4.12% | 4.49% | 4.87% | 5.24% |
| 3.74% | 4.12% | 4.49% | 4.87% | 5.24% |
Youth CDs
Available to members if term maturity occurs before their 18th birthday. Additional deposits of $50 or more are allowed throughout the CD term. Starting minimum deposit of $500 and maximum total deposits of $10,000. These CDs are eligible for our Member Saver Reward1.
Effective December 28, 2023
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 6 Months | 4.39% | 4.48% |
| 12 Months | 4.16% | 4.24% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 4.48% | 4.93% | 5.38% | 5.82% | 6.27% |
| 4.24% | 4.66% | 5.09% | 5.51% | 5.94% |
HSA CDs
Designed specifically for individuals who have a health savings plan. Starting minimum deposit is $500. These CDs are eligible for our Member Saver Reward1.
Effective March 6, 2024
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 12 Months | 4.01% | 4.08% |
| 24 Months | 3.79% | 3.86% |
| 36 Months | 3.93% | 4.00% |
| 48 Months | 3.68% | 3.74% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 4.08% | 4.49% | 4.90% | 5.31% | 5.72% |
| 3.86% | 4.24% | 4.63% | 5.01% | 5.40% |
| 4.00% | 4.40% | 4.80% | 5.20% | 5.60% |
| 3.74% | 4.12% | 4.49% | 4.87% | 5.24% |
An HSA CD can be opened by calling us or stopping by.