Certificate of Deposit (CD) Accounts
Similar to a savings account, a Certificate of Deposit (CD) is a great option for putting aside money while earning interest. With fixed dividend rates and terms ranging from three months to five years, our CDs give you flexibility and a higher yield than a savings account.
12 month CD
3.85 % APY*18 month CD
3.75 % APY*24 month CD
3.75 % APY*
CD Features
- $1,000 minimum opening balance
- No monthly fee
- No service charge
- No administration fees
- Dividends paid quarterly
- Tiered interest rates
- Insured up to $250,000
- Withdraw dividends before maturity without penalty
- Terms available for 3, 6, 12, 18, 24, 36, 48 and 60 months
Ready to start saving? Open a CD today!
Current members - Add a CD to your account by logging in to Online Banking!
Effective 7/15/2025
| Term | APY | Dividend Rate | Dividend Pay & Compound | Minimum to Open | Minimum Balance |
|---|---|---|---|---|---|
| 3 Months | 0.600% | 0.599% | N/A | $1,000 | $1,000 |
| 6 Months | 3.250% | 3.211% | N/A | $1,000 | $1,000 |
| 12 Months | 3.850% | 3.796% | Quarterly | $1,000 | $1,000 |
| 18 Months | 3.750% | 3.698% | Quarterly | $1,000 | $1,000 |
| 24 Months | 3.750% | 3.698% | Quarterly | $1,000 | $1,000 |
| 36 Months | 3.300% | 3.260% | Quarterly | $1,000 | $1,000 |
| 48 Months | 3.200% | 3.162% | Quarterly | $1,000 | $1,000 |
| 60 Months | 3.100% | 3.065% | Quarterly | $1,000 | $1,000 |
Three month Certificate of Deposits (CDs) are not compounded. Dividends are credited at maturity. All other CDs are compounded quarterly.
Membership/Regular Savings account required.
Dividend rates and annual percentage yields are subject to change at any time.
Fees may reduce earnings.
Early withdrawal subject to loss of dividends.
See Fee Schedule for applicable fees if balance drops below minimum.
Financial Tips
Adopt good financial habits
Whether you're just starting out on your own or considering retirement, there are several financial tips that apply to everyone.
- Set Specific Goal(s)
- Make a Budget
- Save / Invest
- Pay Off High-Interest Debt
- Insure Yourself
- Consider Buying a Home
- Diversify Investments
- Create a Will
- Focus on Life Stages
APY = Annual Percentage Yield
Programs (including without limit, fees, rates and features) are subject to change without notice.
See Rates & Fees for current dividends. Fees may reduce earnings.
See Fee Schedule for applicable fees.
Early withdrawal subject to loss of dividends.