Certificates of deposit
Secure Your Savings and Watch Them Grow
At OnPoint Community Credit Union, we believe in making your savings work harder for you. Our Certificates of Deposit (CDs) offer a secure way to grow your money with guaranteed returns and competitive rates. Whether you’re saving for a short-term goal or planning for the future, our flexible terms and low minimum deposits make it easy to invest with confidence.
Compare CDs
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
CD term | Opening deposit | Interest rate | Annual percentage yield1 | Interest rate with OnPoint Rewards2 | APY with OnPoint Rewards2 | Minimum balance |
|---|---|---|---|---|---|---|
Rates Effective: 11-28-2025 Learn more about certificates of deposit
| ||||||
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 |
Earn up to 3.75% APY with OnPoint Premium Savings
Earn 3.75% Annual Percentage Yield on your first $100,000, then 2.25% APY* on your remaining balance.
Open an account today.
Get started today.
Open an accountStop by an OnPoint branch.
Find a nearby location or ATMApply at your local branch.
Schedule a branch appointmentDisclosures
- APY = Annual Percentage Yield. APY is accurate as of November 28, 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.
