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Certificate of Deposit (CD) Account

A Certificate of Deposit is a no risk investment option that offers a higher rate of interest than most ordinary savings accounts.

Upon choosing the term that works best for you, you agree to leave your investment for a specific period of time in exchange for a higher rate of interest.

• Choose a term that works best for you and earn a fixed rate of return
• CDs renew as a new CD of the same type, at the then current interest rate unless otherwise specified

All Certificates of Deposit are subject to an early withdrawal / closeout penalty.**

Interest is compounded monthly and is paid upon maturity. You will receive either a mailed paper statement or an e-mailed e-statement notification (whichever you prefer) each quarter.

A minimum opening deposit of $1,000.00 is required.

Account Type	Term	Rate	APY	Int. Paid	Minimum Opening Deposit
Certificate of Deposit	6 Months	0.20%	0.20%	Monthly	$1,000.00
	9 Months	0.25%	0.25%	Monthly	$1,000.00
	12 Months	0.30%	0.30%	Monthly	$1,000.00
	18 Months	0.35%	0.35%	Monthly	$1,000.00
	24 Months	0.40%	0.40%	Monthly	$1,000.00

To open the above listed account, we will require the following…

• Proof of new or existing membership
• Unexpired State or Federal Government issued identification such as a driver’s license, passport or United States Military identification with a photo on it.
• A minimum deposit of $1,000.00 to open your account in the form of check, currency or internal account transfer

*APY = Annual Percentage Yield.

**Early withdrawal penalty of 3 months of interest.

Rates are subject to change at any time without notice.

Your Funds Are Federally Insured

The National Credit Union Administration (NCUA) is the federal agency that administers the National Credit Union Share Insurance Fund (NCUSIF). The NCUSIF, like the FDIC’s Deposit Insurance Fund, is a federal insurance fund backed by the full faith and credit of the U.S. Government. The NCUSIF insures member savings in federally insured credit unions, which account for approximately 98 percent of all credit unions. All federal credit unions and the vast majority of state-chartered credit unions are covered by NCUSIF insurance protection. Click here to learn more about how your accounts are federally insured.