Certificate of Deposit (CD) Rates

Current as of 8/6/2020

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  Term Min Balance To Open <100K
INT RATE APY1
>100K
INT RATE APY1
Regular, IRA, SEP & Coverdell 3 Month $500 0.20% -  0.20% 0.25% -  0.25%
Regular, IRA, SEP & Coverdell 6 Month $500 0.40% -  0.40% 0.45% -  0.45%
Regular, IRA, SEP & Coverdell 1 Year $500 0.60% -  0.60% 0.70% -  0.70%
Regular, IRA, SEP & Coverdell 18 Month $500 0.65% -  0.65% 0.70% -  0.70%
Regular, IRA, SEP & Coverdell 2 Year $500 0.70% -  0.70% 0.75% -  0.75%
Regular, IRA, SEP & Coverdell 3 Year $500 0.80% -  0.80% 0.85% -  0.85%
Regular, IRA, SEP & Coverdell 4 Year $500 0.80% -  0.80% 0.85% -  0.85%
Regular, IRA, SEP & Coverdell 5 Year $500 0.90% -  0.90% 1.00% -  1.00%
Regular Only 9 Month $500 0.40% -  0.40% 0.45% -  0.45%
Flex Rate (Regular Only) 2 Year² $500 0.65% -  0.65% 0.70% -  0.70%
Flex Rate (Regular Only) 4 Year³ 500 0.70% -  0.70% 0.75% -  0.75%
CD Builder Account 2 Year $100 on DD/PR⁴ or $500 0.60% -  0.60% N/A -  N/A
CD Builder Account 5 Year $100 on DD/PR⁵ or $500 0.80% -  0.80% N/A -  N/A

1APY is Annual Percentage Yield. APY assumes dividends remain in the account until maturity. All accounts must remain open through the maturity date to be paid the accrued interest. Interest on certificates is compounded daily and paid monthly. Interest rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. A penalty may be imposed for early withdrawal.

2 2 Year Flex Rate CD allows one rate increase per term.

 

3 4 Year Flex Rate CD allows two rate increases per term.

4 5  DD/PR means Direct Deposit and Payroll Deduction. 

5 5 Year Youth CD Builder is available for members age 17 and under, and has a maximum deposit of $50K.