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 January 17, 2025
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 6 Months | 3.59% | 3.65% |
| 12 Months | 3.43% | 3.48% |
| 18 Months | 3.56% | 3.62% |
| 24 Months | 3.43% | 3.48% |
| 36 Months | 3.28% | 3.33% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 3.65% | 4.01% | 4.38% | 4.74% | 5.11% |
| 3.48% | 3.83% | 4.18% | 4.53% | 4.88% |
| 3.62% | 3.98% | 4.34% | 4.70% | 5.07% |
| 3.48% | 3.83% | 4.18% | 4.53% | 4.88% |
| 3.33% | 3.66% | 4.00% | 4.33% | 4.66% |
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 January 17, 2025
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 3 Months5 | 4.31% | 4.40% |
| 6 Months | 4.31% | 4.40% |
| 12 Months | 4.12% | 4.20% |
| 13 Months SPECIAL | 4.36% | 4.45% |
| 18 Months | 4.27% | 4.35% |
| 24 Months | 4.12% | 4.20% |
| 36 Months | 3.93% | 4.00% |
| 48 Months | 3.93% | 4.00% |
| 60 Months | 3.93% | 4.00% |
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 January 17, 2025
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 48 Months | 3.28% | 3.33% |
| 60 Months | 3.28% | 3.33% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 3.33% | 3.66% | 4.00% | 4.33% | 4.66% |
| 3.33% | 3.66% | 4.00% | 4.33% | 4.66% |
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 January 17, 2025
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 6 Months | 3.74% | 3.80% |
| 12 Months | 3.58% | 3.64% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 3.80% | 4.19% | 4.57% | 4.95% | 5.33% |
| 3.64% | 4.00% | 4.37% | 4.73% | 5.10% |
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 January 17, 2025
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 12 Months | 3.43% | 3.48% |
| 24 Months | 3.43% | 3.48% |
| 36 Months | 3.28% | 3.33% |
| 48 Months | 3.28% | 3.33% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 3.48% | 3.83% | 4.18% | 4.53% | 4.88% |
| 3.48% | 3.83% | 4.18% | 4.53% | 4.88% |
| 3.33% | 3.66% | 4.00% | 4.33% | 4.66% |
| 3.33% | 3.66% | 4.00% | 4.33% | 4.66% |
An HSA CD can be opened by calling us or stopping by.