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.
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 July 24, 2023
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 6 Months | 4.48% | 4.57% |
| 12 Months | 4.29% | 4.38% |
| 18 Months | 4.03% | 4.11% |
| 24 Months | 3.75% | 3.82% |
| 36 Months | 3.57% | 3.63% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 4.57% | 5.03% | 5.49% | 5.95% | 6.40% |
| 4.38% | 4.81% | 5.25% | 5.69% | 6.13% |
| 4.11% | 4.52% | 4.93% | 5.34% | 5.75% |
| 3.82% | 4.20% | 4.58% | 4.96% | 5.34% |
| 3.63% | 3.99% | 4.35% | 4.72% | 5.08% |
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 August 8, 2023
| Term Length | Interest Rate2 | APY3 |
|---|---|---|
| 3 Months5 | 5.51% | 5.65% |
| 6 Months | 5.37% | 5.50% |
| 12 Months | 5.15% | 5.27% |
| 18 Months | 4.83% | 4.94% |
| 24 Months | 4.50% | 4.59% |
| 36 Months | 4.28% | 4.36% |
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 July 24, 2023
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 48 Months | 3.48% | 3.54% |
| 60 Months | 3.50% | 3.56% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 3.54% | 3.89% | 4.24% | 4.60% | 4.95% |
| 3.56% | 3.91% | 4.27% | 4.62% | 4.98% |
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 July 24, 2023
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 6 Months | 4.63% | 4.73% |
| 12 Months | 4.44% | 4.53% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 4.73% | 5.20% | 5.68% | 6.15% | 6.62% |
| 4.53% | 4.98% | 5.44% | 5.89% | 6.34% |
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 July 24, 2023
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 12 Months | 4.29% | 4.38% |
| 24 Months | 3.75% | 3.82% |
| 36 Months | 3.57% | 3.63% |
| 48 Months | 3.48% | 3.54% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 4.38% | 4.81% | 5.25% | 5.69% | 6.13% |
| 3.82% | 4.20% | 4.58% | 4.96% | 5.34% |
| 3.63% | 3.99% | 4.35% | 4.72% | 5.08% |
| 3.54% | 3.89% | 4.24% | 4.60% | 4.95% |
An HSA CD can be opened by calling us or stopping by.