Certificate of Deposit

A Certificate of Deposit (CD) is a secure and safe way to increase your earning power beyond a regular savings account with a guaranteed higher rate of return.  A CD is a time deposit - a commitment to leave the deposit for a given amount of time, and in exchange, it earns a higher dividend rate than a regular savings account which you can withdraw from at any time. When the CD matures, you can withdraw the principal and the earnings, or choose to reinvest all or part of it.

We offer terms from 6 months to 5 years to maximize your flexibility and earning power.

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Regular Share & IRA CertificatesAPY *Dividend Rate
CD Special 18 Month1.61%1.60%
CD Special 13 Month1.51%1.50%
CD Special 7 Month1.00%1.00%

APY is Annual Percentage yield.  Only new money eligible for CD Specials.  CD Specials require minimum deposit of $1,000.  Minimum Deposit on Regular and IRA Share Certificates is $1,000.00. Minimum Deposit on Jumbo Regular and Jumbo IRA Share Certificates is $100,000.00. Penalty for early withdrawal. Penalties may reduce earnings. Ask for more information. Rate is dividend rate. Rates effective 01/01/2018 and are subject to change without notice.

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Not familiar with CDs? Watch this short video to learn more about Certificates of Deposit.
For your peace of mind, your savings are federally insured through the National Credit Union Association to at least $250,000 and backed by the full faith and credit of the United States Government.
Consider building a CD ladder, a safe and effective way to help you earn more without requiring you to lock in all your money for a longer term.  A ladder is a series of CDs with different maturity dates.  Instead of putting all your money in one five year CD, split it equally among five CDs with maturity rates ranging from one to five years.  Once it is fully built, a CD ladder gives you a pool of money that is earning longer-term rates, but still has some short-term liquidity.

At the end of the first year, you begin to see the payoff.  Your first 1 year CD matures and you can invest your proceeds in a 5 year CD at the highest interest rate.  This will mature in year 6.  The next year your 2 year CD matures, and you continue the pattern.  Each year you will capture the best rate available on the 5 year certificate and collect the top rate ... AND you still enjoy the flexibility of have one certificate come due each year, should you need to capture some liquidity.

Have questions?  Just ask.  We'll answer.