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CERTIFICATES OF DEPOSITS (CDs)

If you are looking for the ideal way to save long term, Certificate of Deposits may be the perfect option for you. CDs generally pay a higher rate of interest since your money is guaranteed to be on deposit for a specific period.

We offer high-yield CDs with terms from 6 months to 5 years. Dividends are paid monthly and interest rates vary according to the term of the certificate. Check our CD Rates for the most current rates.

Our deposit accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA).

Frequently Asked Questions   |   Savings Calculator   |   CD Rates
Benefits & Convenience For You:
  • Terms: 6 months, 12 months, 18 months, 2 years, 3 years, and 5 years.
  • Earn high yields
  • Review account history through free Internet Banking
  • Federally insured up to $250,000 by NCUA

FREQUENTLY ASKED QUESTIONS

Q: Is there any limit on how much I can put into my CD?
A: No. You can open a certificate for any dollar amount you choose. Our deposit accounts are federally insured up to $250,000 by NCUA.

Q: Can I make a deposit after the CD is opened?
A: No. Once the CD is opened, you may not make additional deposits to your account. You may, however, make a deposit or a withdrawal during the 10-day grace period after the CD matures.

Q: How do I check my balance?
A: Use the free Internet Banking, call the free Telephone Teller at 800-808-5802, or call a friendly member service representative at 800-452-6021.

Q: What happens when my CD matures?
A: At maturity there is a 10-day no-interest, no-penalty grace period for partial withdrawal or closure of your certificate. At the end of the 10-day grace period, the certificate balance will automatically renew for the same term as the maturing certificate, but at the rate then in effect for the same class of investment.

Q: At maturity, can I reinvest my CD for a different term? If I can, how would I do that?
A: Yes, you can. Simply give us a call at 800-452-6021 within the 10-day grace period, and tell us the term of your reinvestment.

Q: Can I withdraw from my CD Account in case there is an emergency?
A: Yes, you can. However, because CDs are term accounts, there will be a penalty for an early withdrawal. To understand how the penalty is determined, please read our Certificate Disclosure. The amount of the early withdrawal penalty is determined as follows:

  • For accounts with terms less than 12 months, early withdrawals are subject to a penalty of 90 days’ dividends.
  • For accounts with terms of 12-23 months, early withdrawals are subject to a penalty of 150 days’ dividends.
  • For accounts with terms of 24-35 months, early withdrawals are subject to a penalty of 180 days’ dividends.
  • For accounts with terms of 36-59 months, early withdrawals are subject to a penalty of 240 days’ dividends.
  • For accounts with terms of 60 months or greater, early withdrawals are subject to a penalty of 365 days’ dividends.