Certificates of Deposits

Earn more with federally-insured peace of mind

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Our Term Share Certificates (CDs) let you lock in a higher rate regardless of market fluctuations. Your funds are federally insured up to $250,000 per member.

  • Flexible terms that fit your savings goals
  • No account set-up or maintenance fees

Talk to us about laddering your investments.

Consider laddering your investments, where you invest funds with different terms to maximize your earnings and cash flow.

Here’s an illustration of a CD ladder with five “rungs.” Each rung is a CD of equal value, with staggered terms so one CD matures every 6-12 months:

  1. $1,000 in a 6-month CD
  2. $1,000 in a 12-month CD
  3. $1,000 in a 18-month CD
  4. $1,000 in a 24-month CD
  5. $1,000 in a 36-month CD

Whenever a CD matures, purchase a new 36-month CD. This ensures you get the high returns of longer-term CDs with the flexibility of having one-fifth of your investment available every 6-12 months.