Certificates of Deposit (CDs)

Making your money work as hard as possible is important. Our Certificates of Deposit offer superior interest rates, have many convenient features and options, and are available in a variety of terms.

CD Special Available for a limited time only.

CD Special

Earn a fixed rate of interest over the entire period of the investment. Starting minimum deposit is $5,000. Our Simple CDs are not eligible for the potential year-end Member Saver Reward.

Effective October 7, 2019
Term Length Interest Rate1 APY2
21 Months 2.42% 2.45%

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Simple CDs

Earn a fixed rate of interest over the entire period of the investment. Starting minimum deposit of $1,000. Our Simple CDs offer our highest APY for the term of the CD but are not eligible for the potential year-end Member Saver Reward.

Effective October 9, 2019
Term Length Interest Rate1 APY2
12 Months 2.23% 2.25%
24 Months 2.37% 2.40%
36 Months 2.86% 2.90%

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Standard CDs

Earn a fixed rate of interest over the entire period of the investment. Starting minimum deposit is $1,000. These CDs are eligible for our Member Saver Reward.

Effective October 9, 2019
Term Length Interest Rate1 APY2
6 Months 1.05% 1.06%
12 Months 1.79% 1.80%
18 Months 1.83% 1.85%
24 Months 1.98% 2.00%
36 Months 2.39% 2.42%

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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 $1,000. These CDs are eligible for our Member Saver Reward.

Effective October 9, 2019
Term Length Interest Rate1 APY2
48 Months 2.47% 2.50%
60 Months 2.53% 2.56%

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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 Reward.

Effective November 13, 2018
Term Length Interest Rate1 APY2
6 Months 1.49% 1.50%
12 Months 2.03% 2.05%

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HSA CDs

Designed specifically for individuals who have a health savings plan. Starting minimum deposit is $1,000. These CDs are eligible for our Member Saver Reward.

Effective October 9, 2019
Term Length Interest Rate1 APY2
12 Months 1.79% 1.80%
24 Months 1.98% 2.00%
36 Months 2.39% 2.42%
48 Months 2.47% 2.50%

An HSA CD can be opened by calling us or stopping by.

  1. Interest rates subject to change on a daily basis. ↩︎ ↩︎2 ↩︎3 ↩︎4 ↩︎5 ↩︎6

  2. APY = Annual Percentage Yield. APY assumes principal and interest remain on deposit for the term of the certificate. ↩︎ ↩︎2 ↩︎3 ↩︎4 ↩︎5 ↩︎6