CDs & IRAs

Certificate of Deposits

• Low-Risk Investment that offers a fixed rate
  
• Terms Ranging from 6-60 months
• $500 Minimum to open
  
• Apply Online

Individual Retirement Account (IRA) Certificate of Deposit

• Low-Risk Investment tied to an IRA account
• Terms ranging from 6 - 60 months
• $500 Minimum to open
  
• Apply Online

Business Certificate of Deposit 

• Low-Risk Investment with a fixed rate for business accounts
• Terms ranging from 6 - 60 months
• $500 Minimum to open
  
• Apply Online

1. To open a Build it! CD, the account requires direct deposit of at least $40 a month; maximum of $1,000. Maximum opening balance is $10,000. IRA CDs are not eligible for this product. If direct deposit is stopped for more than one month and the balance of the Build it! CD is less than $500, account will be closed and funds will be transferred to the prime share savings account and will earn the associated dividend rate. If direct deposit is stopped for more than one month and the balance of the account is at least $500, the dividend rate earned for the remaining term will be equal to the standard 12-month certificate rate at that time. Regular 12-month penalties of 90 days interest apply.

2. Certificates with terms of six months or less pay dividends at maturity. Dividends on certificates with terms of six months or more are earned from date of deposit.

3. Limited time offer. Required minimum deposit $500 and the maximum is $250,000. Rate only applies to the 13 month certificate of deposit. Dividend rate is 5.294%, dividends for share certificates are calculated on the average daily balance and paid quarterly. Interest rates are reviewed weekly and are subject to change without notice. Additional deposits allowed during term of certificate up to the maximum certificate deposit amount allowed. At maturity, balance of the 13-month certificate will automatically roll into a 12-month certificate at the current rate at that time. Does not qualify for IRAs. Rate effective 3/1/2024. Subject to change without notice. Cannot be combined with any offers. Restrictions may apply. Any premature withdrawal will incur a penalty equivalent to 90 days of interest on the withdrawn amount. 

4. Minimum required to open a 7 month share certificate is $100,00. At maturity, balance of the 7 month certificate will automatically renew into a 6-month certificate at the current interest rate at the time. Does not qualify for IRAs. interest rates are effective 3/1/24 and subject to cancel at any time. Subject to change without notice. Cannot be combined with any other offers. Restriction may apply. Limit one per member.