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 18, 2024
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 6 Months | 3.68% | 3.74% |
| 12 Months | 3.48% | 3.54% |
| 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% |
|---|---|---|---|---|
| 3.74% | 4.12% | 4.49% | 4.87% | 5.24% |
| 3.54% | 3.89% | 4.24% | 4.60% | 4.95% |
| 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 December 18, 2024
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 3 Months5 | 4.41% | 4.50% |
| 6 Months | 4.41% | 4.50% |
| 12 Months | 4.17% | 4.25% |
| 13 Months SPECIAL | 4.41% | 4.50% |
| 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 December 18, 2024
| 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 December 18, 2024
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 6 Months | 3.83% | 3.90% |
| 12 Months | 3.63% | 3.69% |
Member Saver Reward¹
PROSPECTIVE ANNUAL PERCENTAGE YIELD²
Based on Example Giveback Percentage
| 0% | 10% | 20% | 30% | 40% |
|---|---|---|---|---|
| 3.90% | 4.29% | 4.68% | 5.07% | 5.46% |
| 3.69% | 4.06% | 4.43% | 4.80% | 5.17% |
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 December 18, 2024
| Term Length | Interest Rate3 | APY4 |
|---|---|---|
| 12 Months | 3.48% | 3.54% |
| 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% |
|---|---|---|---|---|
| 3.54% | 3.89% | 4.24% | 4.60% | 4.95% |
| 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.