Certificate of Deposit
Make your money work for you!
CERTIFICATE OF DEPOSIT
Make your money work for you! CDs offer a secure and low-risk way to grow your money. With fixed interest rates and a predetermined maturity date, they provide a predictable return on investment. By utilizing CDs, members can enjoy the benefits of capital preservation and a modest yet steady increase in their savings over time.
Regular CD
Interest: See Rate Sheet
Minimum Initial Deposit: $500 to $25,000
Minimum Age to Open: No age limit
Transaction Limitations: Early Withdrawal Penalty (180 day int.-6 mo. CD, 365 day int.-over 6 mo.)
*Cannot add money to CD once it has been opened.
Generation Z CD
Interest: See Rate Sheet
Minimum Initial Deposit: $200
Minimum Age to Open: Birth-18 years old
Transaction Limitations: Early Withdrawal Penalty (365 day int.)
Certificate Rates
| Certificate Term | APY | Minimum Deposit |
|---|---|---|
| 6 MONTH MIN $ 1,000 | 3.82% | $1000 |
| 12 MONTH MIN $ 1,000 | 3.56% | $1000 |
| 18 MONTH MIN $ 1,000 | 3.04% | $1000 |
| 24 MONTH MIN $ 1,000 | 2.89% | $1000 |
| 36 MONTH MIN $ 1,000 | 2.73% | $1000 |
| 48 MONTH MIN $ 1,000 | 2.58% | $1000 |
| 60 MONTH MIN $ 1,000 | 2.43% | $1000 |
| 12 MO SAVE TO WIN CD | 3.56% | $25 |
| 6 MONTH MIN $25,000 | 3.87% | $25000 |
| 12 MONTH MIN $25,000 | 3.61% | $25000 |
| 18 MONTH MIN $25,000 | 3.09% | $25000 |
| 24 MONTH MIN $25,000 | 2.94% | $25000 |
| 36 MONTH MIN $25,000 | 2.79% | $25000 |
| 48 MONTH MIN $25,000 | 2.63% | $25000 |
| 60 MONTH MIN $25,000 | 2.48% | $25000 |
Interest will be calculated daily and posted monthly into your regular shares or compounded to the certificate. Other terms and conditions are printed on the face of the certificate or TIS. Rates and terms listed above are subject to change for new certificates and renewals with no advance notice.
Interest penalty for early withdrawal from regular CD 12 thru 60 is 12mo int./ 6mo CD penalty 6mo int.
*APY= Annual Percentage Yield