1. Home
  2. Best Certificate of Deposit (CD)

Best Certificate of Deposit (CD)

Compact discs may have given way to the mp3 player, but lucky for you, our CDs will never go out of style. Put some stock in your future by investing in the plan that works for you. With a variety of rates and terms, our family of CDs has something for everyone … Even Michael Bolton fans.

Mother and son blowing bubbles
Midtown
CD Rates Rates as high as 2.90% APY**

Classic CD Rates — Effective December 1, 2018

Term Rate APY** Minimum Deposit
3 Month1.243%1.25%$500
6 Month1.490%1.50%$500
1 Year1.539%1.55%$500
13 Month1.687%1.70%$500
18 Month2.080%2.10%$500
2 Year2.227%2.25%$500
30 Month2.374%2.40%$500
3 year2.570%2.60%$500
4 Year2.618%2.65%$500
5 Year2.667%2.70%$500

Signature CD Rates — Effective December 1, 2018

Term Rate APY** Minimum Deposit
1 Year1.638%1.65%$10,000
13 month1.687%1.70%$10,000
18 Month2.178%2.20%$10,000
2 Year2.325%2.35%$10,000
30 Month2.472%2.50%$10,000
3 Year2.667%2.70%$10,000
4 Year2.716%2.75%$10,000
5 Year2.765%2.80%$10,000

Premier CD Rates — Effective December 1, 2018

Term Rate APY** Minimum Deposit
1 Year1.736%1.75%$25,000
13 month1.687%1.70%$25,000
18 Month2.276%2.30%$25,000
2 Year2.423%2.45%$25,000
30 Month2.570%2.60%$25,000
3 Year2.765%2.80%$25,000
4 Year2.813%2.85%$25,000
5 Year2.862%2.90%$25,000

Wealth Builder CD Rates — Effective December 1, 2018

Term Rate APY** Minimum Deposit
1 Year1.539%1.55%$100 initial deposit

Deposit CD Rates — Effective December 1, 2018

Term Rate APY** Minimum Deposit
2 Year2.227%2.25%$5,000
3 Year2.570%2.60%$5,000

Jump-Up CD Rates — Effective December 1, 2018

Term Rate APY** Minimum Deposit
2 Year2.227%2.25%$5,000
3 Year2.570%2.60%$5,000

Young Investor’s CD Rates — Effective December 1, 2018

Term Rate APY** Minimum Deposit
3 Year2.570%2.60%$100 - $5,000 max

Rock Out with the Best CD Rates

Have we lost you with the mp3 reference? No problem, we’ll explain our CD collection! With a CD, your money compounds monthly to help you with your savings. So what’s the real difference from a savings account? Well, a CD has “terms,” meaning you can only withdraw your funds after it matures. If you’re looking for a way to start investing, a CD could be the right option for you.

Standard CDs

 

Classic CD†

Signature CD†

Premier CD†
Minimum Initial Deposit $500 $10,000 $25,000
Interest Rates (Compounds Monthly) View Rates View Rates View Rates
Terms

3, 6, 18, or 30 months
1, 2, 3, 4 or 5 years

18 or 30 months
1, 2, 3, 4 or 5 years

18 or 30 months
1, 2, 3, 4 or 5 years
Interest rate guaranteed for term of CD

Special CDs

Wealth Builder CD†

This is where your wealth will reign supreme. We want to make sure you’re getting the most bang for your buck so it’s required that you make regular monthly deposits of at least $25 to avoid a $25 fee at the end of the contract. When you reach $500 or more, you can transfer the balance to open our Classic CD without penalty.*

Wealth Builder CD Rates — Effective December 1, 2018

Term Rate APY** Minimum Deposit
1 Year1.539%1.55%$100 initial deposit

Deposit CD†

Who doesn’t like options; keep yours open with a deposit CD. You’ve got two chances to deposit more moola during the certificate term; each can be up to 50% of the current balance. If CD rates drop, you can deposit more money into your CD and earn your existing, higher rate.

Deposit CD Rates — Effective December 1, 2018

Term Rate APY** Minimum Deposit
2 Year2.227%2.25%$5,000
3 Year2.570%2.60%$5,000

Jump-Up CD†

Kris Kross isn’t the only one who can make you jump. With our Jump-Up CD you get two opportunities to “Jump-Up” to a higher interest rate during the CD term (if interest rates go up). Maximum increase in rate is 1.00% per jump (or our current highest rate).

Jump-Up CD Rates — Effective December 1, 2018

Term Rate APY** Minimum Deposit
2 Year2.227%2.25%$5,000
3 Year2.570%2.60%$5,000

Young Investor’s CD†

With this you get a standard CD, but it’s open to the young venture capitalist. If you’re 17 or under and you’ve been stashing cash since Kindergarten, this is the CD for you. You also have the freedom to make regular deposits of $25 or more- now you know what to do with Nana’s birthday checks.

Young Investor’s CD Rates — Effective December 1, 2018

Term Rate APY** Minimum Deposit
3 Year2.570%2.60%$100 - $5,000 max

View Fee Schedule

† An early withdrawal penalty will be assessed if the certificate is redeemed prior to the maturity date.

More Ways to Save

Savings vault

Savings

It doesn’t matter what you’re saving for — college tuition or that diamond encrusted bluetooth headset — we’ve got you covered with plenty of options to maximize your savings.

Learn More

Red MM for Money Market

Money Market

Consider this the gymnast of the group because it’s über-flexible. Earn higher rates as your balance grows, all while having the flexibility to make a limited amount of free withdrawals.

Learn More

Green IRA letters

IRAs

Your golden years might seem like a lifetime away, but it’s never too early to get ahead of the game. Open an IRA and start preparing for retirement today.

Learn More

Calculators

Credit Union Certificate

Use this calculator to find out how much you can earn on a Certificate. Just enter a few pieces of information and we will calculate your Annual Percentage Yield (APY) and ending balance.

Open Calculator

Credit Union Certificate Ladder

Use this calculator to examine the benefits of investing in a series of Certificates with different maturities, also called a Certificate Ladder.

Open Calculator