Certificate of Deposit

Get More for Your Money Faster

A Certificate of Deposit (CD) is a secure and safe way to increase your earning power with a guaranteed higher rate of return. 

We are offering some fantastic CD specials* now.  It is one way we return value to our members.  These CD Specials require the account be "new money" - that is money that is not already on deposit with us.  This "new money" then allows us to fund even more member loans without having to pay to borrow from the Federal Reserve.  At One Credit Union, we would rather pay interest to our members than some far off central bank.  Members helping members - right back to our core values as a Credit Union:

Together, we are One

This means that with One CU your money stays local, in your own community. We’ve been 100% member and locally owned for over 70 years so you can be confident your money is safe and secure. If you ever have a question just give us a call, email or stop by your local branch.

* APY is Annual Percentage Yield. Only new money eligible for this rate. Minimum opening deposit is $1,000.00. Penalty for early withdrawal, which may reduce earnings. Ask for more information. Rates effective 05/01/2018 and are subject to change without notice. Average APY from survey of five credit union websites as of 05/01/2018.

Start Earning Today

Getting started is easy.  Open your account over the phone at (800) 578-5024 , stop by a local branch or get started online.

best cd rates

Regular Share & IRA CertificatesAPY *Dividend Rate
CD Special 18 Month-New Money1.61%1.60%  
CD Special 15 Month-New Money2.34%2.32%  
CD Special 13 Month-New Money1.51%1.50%  
CD Special 7 Month-New Money1.00%1.00%  

APY is Annual Percentage yield.  Only new money eligible for CD Specials.  Minimum Deposit on CD Specials, Regular and IRA Share Certificates is $1,000.00. Minimum Deposit on Jumbo Regular and Jumbo IRA Share Certificates is $100,000.00. Minimum deposit for a Youth Certificate is $100.00.  Penalty for early withdrawal. Penalties may reduce earnings. Ask for more information. Rate is dividend rate. Rates effective 03/01/2018 and are subject to change without notice.

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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.

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Have questions? Just ask. We'll answer.