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 May 2, 2025
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 6 Months | 3.52% | 3.58% |
| 12 Months | 3.32% | 3.37% |
| 18 Months | 3.23% | 3.28% |
| 24 Months | 3.08% | 3.12% |
| 36 Months | 3.08% | 3.12% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 3.58% | 3.94% | 4.29% | 4.65% | 5.01% |
| 3.37% | 3.71% | 4.05% | 4.38% | 4.72% |
| 3.28% | 3.61% | 3.93% | 4.26% | 4.59% |
| 3.12% | 3.44% | 3.75% | 4.06% | 4.37% |
| 3.12% | 3.44% | 3.75% | 4.06% | 4.37% |
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 May 2, 2025
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 3 Months5 | 4.31% | 4.40% |
| 6 Months | 4.22% | 4.30% |
| 12 Months | 3.98% | 4.05% |
| 13 Months SPECIAL | 4.12% | 4.20% |
| 18 Months | 3.88% | 3.95% |
| 24 Months | 3.69% | 3.75% |
| 36 Months | 3.69% | 3.75% |
| 48 Months | 3.69% | 3.75% |
| 60 Months | 3.69% | 3.75% |
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 May 2, 2025
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 48 Months | 3.08% | 3.12% |
| 60 Months | 3.08% | 3.12% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 3.12% | 3.44% | 3.75% | 4.06% | 4.37% |
| 3.12% | 3.44% | 3.75% | 4.06% | 4.37% |
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 May 2, 2025
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 6 Months | 3.67% | 3.73% |
| 12 Months | 3.47% | 3.53% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 3.73% | 4.11% | 4.48% | 4.85% | 5.23% |
| 3.53% | 3.88% | 4.23% | 4.58% | 4.94% |
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 May 2, 2025
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 12 Months | 3.32% | 3.37% |
| 24 Months | 3.08% | 3.12% |
| 36 Months | 3.08% | 3.12% |
| 48 Months | 3.08% | 3.12% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 3.37% | 3.71% | 4.05% | 4.38% | 4.72% |
| 3.12% | 3.44% | 3.75% | 4.06% | 4.37% |
| 3.12% | 3.44% | 3.75% | 4.06% | 4.37% |
| 3.12% | 3.44% | 3.75% | 4.06% | 4.37% |
An HSA CD can be opened by calling us or stopping by.