Certificate & IRA Certificate Rates
| Term |
Rates |
APY* |
| 90 Days |
2.62% |
2.65% |
| 6 Months |
3.54% |
3.60% |
| 12 Months |
3.93% |
4.00% |
| 18 Months |
3.54% |
3.60% |
| 24 Months |
3.59% |
3.65% |
| 36 Months |
3.59% |
3.65% |
| 48 Months |
3.59% |
3.65% |
| 60 Months |
3.59% |
3.65% |
Looking for rates for members 55+?
Rates are current as of 02/03/2025. Rates are subject to change. Please verify today’s rate with a Member Service Advisor.
IRA Certificates earn dividends based on the term of the CD selected.
Penalties for early withdrawal may apply.
A withdrawal of any amount from a certificate account prior to the maturity date will incur a penalty. For terms of 90 days up to one year, the penalty will be 90 days interest. For terms of over one year, the penalty will be 180 days interest. The interest penalty will not be taken from the principal of the CD unless the interest available in the CD is insufficient to debit. If a CD is withdrawn prior to the first interest payment, the penalty will only apply to the amount that would have been due.
A minimum opening balance of $1,000 is required to earn dividends on all Certificates of Deposit**
*APY: Annual Percentage Yield
**CU Succeed account holders can open Certificates of Deposit with a minimum balance of $500.