Certificates of Deposit (CDs)

CDs are a set-it-and-forget-it kind of investment. You deposit funds for a set length of time, earning more interest than a savings account, and with no financial risk. But you won’t have access to your funds during that time, and early withdrawals are subject to a significant interest penalty. CDs are as safe as it gets.

CDs are great for extra funds you have on hand that you don’t expect to tap during the investment period. CDs can be rolled over at term’s end, or cashed out.


Features

  • Variety of term lengths from 3 to 60 months
  • Cannot lose value unless withdrawn before term end
  • $500 minimum balance
  • Deposits are federally insured through NCUA, up to $250,000

Rates

60 Month CD
2.32%APY*

Compare Rates

Description DIVIDEND RATE (INTEREST) APY* VIP Bonus Rate VIP Bonus APY*
03 Month CD
0.05%
0.05%
0.30%
0.30%
03 Month IRA CD
0.05%
0.05%
0.30%
0.30%
05 Month CD
0.05%
0.05%
0.30%
0.30%
05 Month IRA CD
0.05%
0.05%
0.30%
0.30%
06 Month CD
0.05%
0.05%
0.30%
0.30%
06 Month IRA CD
0.05%
0.05%
0.30%
0.30%
07 Month CD
0.05%
0.05%
0.30%
0.30%
07 Month IRA CD
0.05%
0.05%
0.30%
0.30%
08 Month CD
0.05%
0.05%
0.30%
0.30%
08 Month IRA CD
0.05%
0.05%
0.30%
0.30%
09 Month CD
0.05%
0.05%
0.30%
0.30%
09 Month IRA CD
0.05%
0.05%
0.30%
0.30%
10 Month CD
0.05%
0.05%
0.30%
0.30%
10 Month IRA CD
0.05%
0.05%
0.30%
0.30%
11 Month CD
0.05%
0.05%
0.30%
0.30%
11 Month IRA CD
0.05%
0.05%
0.30%
0.30%
12 Month CD
1.76%
1.77%
2.00%
2.02%
12 Month IRA CD
1.76%
1.77%
2.00%
2.02%
13 Month CD
0.05%
0.05%
0.30%
0.30%
13 Month IRA CD
0.05%
0.05%
0.30%
0.30%
14 Month CD
0.15%
0.15%
0.40%
0.40%
14 Month IRA CD
0.15%
0.15%
0.40%
0.40%
15 Month CD
0.15%
0.15%
0.40%
0.40%
15 Month IRA CD
0.15%
0.15%
0.40%
0.40%
17 Month CD
1.98%
2.00%
2.23%
2.25%
17 Month IRA CD
1.98%
2.00%
2.23%
2.25%
18 Month CD
0.25%
0.25%
0.50%
0.50%
18 Month IRA CD
0.25%
0.25%
0.50%
0.50%
24 Month CD
0.50%
0.50%
0.75%
0.75%
24 Month IRA CD
0.50%
0.50%
0.75%
0.75%
25 Month CD
2.15%
2.17%
2.39%
2.42%
25 Month IRA CD
2.15%
2.17%
2.39%
2.42%
30 Month CD
0.80%
0.80%
1.05%
1.05%
30 Month IRA CD
0.80%
0.80%
1.05%
1.05%
36 Month CD
1.05%
1.05%
1.29%
1.30%
36 Month IRA CD
1.05%
1.05%
1.29%
1.30%
48 Month CD
1.29%
1.30%
1.54%
1.55%
48 Month IRA CD
1.29%
1.30%
1.54%
1.55%
60 Month CD
2.30%
2.32%
2.54%
2.57%
60 Month IRA CD
2.30%
2.32%
2.54%
2.57%

Rates as of 04/26/18. *APY = Annual Percentage Yield. Minimum balance to open a CD is $500. CD rates include .25% MORE VIP Relationship Reward Bonus. Rates are subject to change. A penalty may be charged for early withdrawal of a fixed term certificate or IRA.


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