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Certificate of Deposit

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Certificate of Deposit

A Certificate of Deposit (CD) is a secure and safe way to increase your earning power with a guaranteed higher rate of return. A CD is a timed deposit that yields interest for a specified period of time (also known as the “term”).

Typically, CDs have higher interest rates than traditional savings accounts, though you are locking your money away until the time is up (also known as the “maturity date”). The longer the term, the better the rate of interest you will earn. Terms vary, typically from 6 months to 5 years.  

If tying up funds for long term isn’t appealing, consider a CD Ladder.


Start Earning today

GREAT rates are one way we return value to our members. 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.

Open a CD

CD Rates

Choose an interest rate below and use the calculator to see how much you can save.

Regular Shares
& IRA Certificates
APY * Dividend
CD - 60 Month 0.80% 0.80%
CD - 48 Month 0.75% 0.75%
CD - 36 Month 0.65% 0.65%
CD - 24 Month 0.60% 0.60%
CD - 18 Month 0.55% 0.55%
CD - 12 Month 0.50% 0.50%
CD - 6 Month 0.25% 0.25%

*APY is Annual Percentage yield. Minimum Deposit on 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 04/01/2020 and are subject to change without notice.

View all Certificate Rates

Calculate your savings

How much can you save over time? This calculator will help you determine the future value of a certificate deposit account. Open Calculator