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Certificates of deposit

Guaranteed returns mean more savings and more peace of mind.

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 48 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

Amount

Interest rate

Annual percentage yield1

Interest rate with bundle rewards2

APY with bundle rewards2

Rates Effective: 04-11-2024

Learn more about certificates of deposit

1 Annual percentage yield subject to change.

2 Additional products and services are required to qualify for the bundle rewards rate. Please see an OnPoint representative for more information or click here.

3 Subsequent deposits of $100 minimum each are allowed on certificates of deposit with terms of 3, 6, 12, 18, or 24 months. For minors 17 years of age or younger opening a 3, 6, 12, 18, or 24 month certificate of deposit, the minimum balance requirement is $100.00 and subsequent deposits ($100 minimum each) are allowed. All deposits exclude promotional offerings unless otherwise stated.

Booster Rate Certificate of Deposit. You may elect to adjust your rate, based on the rate currently offered for this
account, once during the original term of the Certificate of Deposit. Booster rate feature excludes promotional rate
offers. Booster Rate applies to Certificate of Deposits opened prior to May 1, 2023.

CD term

3 months3

Amount

$1,000

Interest rate

1.49%

Annual percentage yield1

1.50%

Interest rate with bundle rewards2

1.74%

APY with bundle rewards2

1.75%

CD term

6 months3

Amount

$1,000

Interest rate

1.74%

Annual percentage yield1

1.75%

Interest rate with bundle rewards2

1.99%

APY with bundle rewards2

2.00%

CD term

12 months3

Amount

$1,000

Interest rate

2.23%

Annual percentage yield1

2.25%

Interest rate with bundle rewards2

2.47%

APY with bundle rewards2

2.50%

CD term

18 months3

Amount

$1,000

Interest rate

2.28%

Annual percentage yield1

2.30%

Interest rate with bundle rewards2

2.52%

APY with bundle rewards2

2.55%

CD term

24 months3

Amount

$1,000

Interest rate

2.33%

Annual percentage yield1

2.35%

Interest rate with bundle rewards2

2.57%

APY with bundle rewards2

2.60%

CD term

36 months

Amount

$1,000

Interest rate

2.37%

Annual percentage yield1

2.40%

Interest rate with bundle rewards2

2.62%

APY with bundle rewards2

2.65%

CD term

48 months

Amount

$1,000

Interest rate

2.42%

Annual percentage yield1

2.45%

Interest rate with bundle rewards2

2.67%

APY with bundle rewards2

2.70%

CD term

60

months

Amount

$1,000

Interest rate

2.47%

Annual percentage yield1

2.50%

Interest rate with bundle rewards2

2.72%

APY with bundle rewards2

2.75%

Calculate how much you can earn

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