Certificates of deposit

Guaranteed returns mean more savings and more peace of mind.

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Compare CDs

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CDs

Best for:

Saving more by locking-in a higher rate than your regular savings account to help you reach your goals.

Minimum opening deposit

$1,000 ($100 for members under 18)

Terms

Three months to 60 months

Accessibility

Early withdrawal penalties apply

NCUA insured up to $250,000

Subsequent deposits of $100 or more

Available with terms of 3, 6, 12, 18, or 24 months.

Telephone teller support

Online banking access

Compare CDs

Best for:
Best for:
Minimum opening deposit
Minimum opening deposit
Terms
Terms
Accessibility
Accessibility
NCUA insured up to $250,000
NCUA insured up to $250,000
Subsequent deposits of $100 or more
Subsequent deposits of $100 or more
Telephone teller support
Telephone teller support
Online banking access
Online banking access

CDs

Best for:
Saving more by locking-in a higher rate than your regular savings account to help you reach your goals.
Minimum opening deposit
$1,000 ($100 for members under 18)
Terms
Three months to 60 months
Accessibility
Early withdrawal penalties apply
NCUA insured up to $250,000
Subsequent deposits of $100 or more
Available with terms of 3, 6, 12, 18, or 24 months.
Telephone teller support
Online banking access

Rates

Certificates of Deposit

Certificates of Deposit
CD term	Opening deposit	Interest rate	Annual percentage yield¹	Interest rate with OnPoint Rewards²	APY with OnPoint Rewards²	Minimum balance
Rates Effective: 11-05-2025 Learn more about certificates of deposit APY = Annual Percentage Yield. APY is accurate as of November 5, 2025. Membership is required and subject to approval; not everyone will qualify. Limit one Member Savings account per person. All interest is compounded and credited monthly. Qualification Requirements Per Monthly Cycle: To qualify for OnPoint Rewards, you must meet the following criteria: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity. The APY is based on an assumption interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings. You may make additional deposits only for a term of 3, 6, 12, or 24 months. Subsequent deposits are excluded on promotional offerings unless otherwise stated. We may impose an early withdrawal penalty if you withdraw any of the principal of your Certificate of Deposit account before the maturity date. For more information, please refer to the Membership & Account Agreement.
CD term 3 months³	Opening deposit $1,000	Interest rate 1.49%	Annual percentage yield¹ 1.50%	Interest rate with OnPoint Rewards² 1.74%	APY with OnPoint Rewards² 1.75%	Minimum balance $1,000
CD term 6 months³	Opening deposit $1,000	Interest rate 1.74%	Annual percentage yield¹ 1.75%	Interest rate with OnPoint Rewards² 1.99%	APY with OnPoint Rewards² 2.01%	Minimum balance $1,000
CD term 12 months³	Opening deposit $1,000	Interest rate 2.23%	Annual percentage yield¹ 2.25%	Interest rate with OnPoint Rewards² 2.48%	APY with OnPoint Rewards² 2.51%	Minimum balance $1,000
CD term 18 months³	Opening deposit $1,000	Interest rate 2.28%	Annual percentage yield¹ 2.30%	Interest rate with OnPoint Rewards² 2.53%	APY with OnPoint Rewards² 2.56%	Minimum balance $1,000
CD term 24 months³	Opening deposit $1,000	Interest rate 2.33%	Annual percentage yield¹ 2.36 %	Interest rate with OnPoint Rewards² 2.58%	APY with OnPoint Rewards² 2.61%	Minimum balance $1,000
CD term 36 months	Opening deposit $1,000	Interest rate 2.37%	Annual percentage yield¹ 2.40%	Interest rate with OnPoint Rewards² 2.62%	APY with OnPoint Rewards² 2.65%	Minimum balance $1,000
CD term 48 months	Opening deposit $1,000	Interest rate 2.42%	Annual percentage yield¹ 2.45%	Interest rate with OnPoint Rewards² 2.67%	APY with OnPoint Rewards² 2.70%	Minimum balance $1,000
CD term 60 months	Opening deposit $1,000	Interest rate 2.47%	Annual percentage yield¹ 2.50%	Interest rate with OnPoint Rewards² 2.72%	APY with OnPoint Rewards² 2.75%	Minimum balance $1,000

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CDs

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