Certificate of Deposit

A Certificate of Deposit (CD) is a secure and safe way to increase your earning power with a guaranteed higher rate of return.

Check our rates below!

GREAT rates are one way we return value to our members. This means that with One CU your money stays local, in your own community. We’ve been 100% member and locally owned for over 70 years, so you can be confident your money is safe and secure. If you ever have a question just give us a call, email or stop by your local branch.

Start Earning Today

Getting started is easy. Open your account over the phone at (800) 578-5024, stop by a local branch or get started online.

Regular Shares & IRA CertificatesAPY *Dividend Rate
CD - 60 Month0.80%0.80%  
CD - 48 Month0.75%0.75%  
CD - 36 Month0.65%0.65%  
CD - 24 Month0.60%0.60%  
CD - 18 Month0.55%0.55%  
CD - 12 Month0.50%0.50%  
CD - 6 Month0.25%0.25%  

*APY is Annual Percentage yield. Minimum Deposit on Share Certificates is $1,000.00. Minimum Deposit on Jumbo Regular and Jumbo IRA Share Certificates is $100,000.00. Minimum deposit for a Youth Certificate is $100.00.  Penalty for early withdrawal. Penalties may reduce earnings. Ask for more information. Rate is dividend rate. Rates effective 04/01/2020 and are subject to change without notice.

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For your peace of mind, your savings are federally insured through the National Credit Union Association to at least $250,000 and backed by the full faith and credit of the United States Government.
Consider building a CD ladder, a safe and effective way to help you earn more without requiring you to lock in all your money for a longer term. A ladder is a series of CDs with different maturity dates. Instead of putting all your money in one five year CD, split it equally among five CDs with maturity rates ranging from one to five years. Once it is fully built, a CD ladder gives you a pool of money that is earning longer-term rates, but still has some short-term liquidity.

At the end of the first year, you begin to see the payoff. Your first 1 year CD matures and you can invest your proceeds in a 5 year CD at the highest interest rate. This will mature in year 6. The next year your 2 year CD matures, and you continue the pattern. Each year you will capture the best rate available on the 5 year certificate and collect the top rate ... AND you still enjoy the flexibility of have one certificate come due each year, should you need to capture some liquidity.

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