Green Accent Dot
certificate of deposit

Certificates of Deposit

Guaranteed returns mean more savings.

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

Annual Withdrawal CD

  • Best for:

    Taking advantage of high-interest savings with a flexible, penalty-free annual withdrawal in case you need your funds.

  • Minimum Opening Deposit

    $5,000

  • Terms

    60 months

  • Accessibility

    Withdrawal up to 20% each year without penalty

  • NCUA insured up to $250,000

  • Subsequent deposits of $100 or more

    x icon

  • 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: 11-21-2019

Learn more about Certificates of Deposit

View our Truth-In-Savings disclosure for additional information.

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.

4 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.

CD Term

3 months3

Amount

$1,000 - $49,000

Interest Rate

1.49%

Annual Percentage Yield1

1.50%

Interest Rate with Bundle Rewards2

1.74%

APY with Bundle Rewards2

1.75%

CD Term

3 months3

Amount

$50,000+

Interest Rate

1.74%

Annual Percentage Yield1

1.75%

Interest Rate with Bundle Rewards2

1.98%

APY with Bundle Rewards2

2.00%

CD Term

6 months3

Amount

$1,000 - $49,000

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

$50,000+

Interest Rate

1.74%

Annual Percentage Yield1

1.75%

Interest Rate with Bundle Rewards2

1.98%

APY with Bundle Rewards2

2.00%

CD Term

12 months3

Amount

$1,000 - $49,000

Interest Rate

1.49%4

Annual Percentage Yield1

1.50%

Interest Rate with Bundle Rewards2

1.74%

APY with Bundle Rewards2

1.75%

CD Term

12 months3

Amount

$50,000+

Interest Rate

1.74%4

Annual Percentage Yield1

1.75%

Interest Rate with Bundle Rewards2

1.98%

APY with Bundle Rewards2

2.00%

CD Term

18 months3

Amount

$1,000 - $49,000

Interest Rate

1.59%4

Annual Percentage Yield1

1.60%

Interest Rate with Bundle Rewards2

1.835%

APY with Bundle Rewards2

1.85%

CD Term

18 months3

Amount

$50,000+

Interest Rate

1.835%4

Annual Percentage Yield1

1.85%

Interest Rate with Bundle Rewards2

2.08%

APY with Bundle Rewards2

2.10%

CD Term

24 months3

Amount

$1,000 - $49,000

Interest Rate

1.59%4

Annual Percentage Yield1

1.60%

Interest Rate with Bundle Rewards2

1.835%

APY with Bundle Rewards2

1.85%

CD Term

24 months3

Amount

$50,000+

Interest Rate

1.835%4

Annual Percentage Yield1

1.85%

Interest Rate with Bundle Rewards2

2.08%

APY with Bundle Rewards2

2.10%

CD Term

36 months

Amount

$1,000 - $49,000

Interest Rate

1.59%

Annual Percentage Yield1

1.60%

Interest Rate with Bundle Rewards2

1.835%

APY with Bundle Rewards2

1.85%

CD Term

36 months

Amount

$50,000+

Interest Rate

1.835%

Annual Percentage Yield1

1.85%

Interest Rate with Bundle Rewards2

2.08%

APY with Bundle Rewards2

2.10%

CD Term

48 months

Amount

$1,000 - $49,000

Interest Rate

1.64%

Annual Percentage Yield1

1.65%

Interest Rate with Bundle Rewards2

1.885%

APY with Bundle Rewards2

1.90%

CD Term

48 months

Amount

$50,000+

Interest Rate

1.885%

Annual Percentage Yield1

1.90%

Interest Rate with Bundle Rewards2

2.13%

APY with Bundle Rewards2

2.15%

Annual Withdrawal Certificate of Deposit
Annual Withdrawal Certificate of Deposit

CD Term

Amount

Interest Rate

Annual Percentage Yield1

Interest Rate with Bundle Rewards2

APY with Bundle Rewards2

Minimum Balance to Open

Rates Effective: 11-21-2019

Learn more about Annual Withdrawal Certificate of Deposit

View our Annual Withdrawal CD Truth-In-Savings disclosure for additional information.

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.

CD Term

60 months

Amount

$1,000 - $49,000

Interest Rate

1.69%

Annual Percentage Yield1

1.70%

Interest Rate with Bundle Rewards2

1.935%

APY with Bundle Rewards2

1.95%

Minimum Balance to Open

$5,000

CD Term

60 months

Amount

$50,000+

Interest Rate

1.935%

Annual Percentage Yield1

1.95%

Interest Rate with Bundle Rewards2

2.18%

APY with Bundle Rewards2

2.20%

Minimum Balance to Open

$5,000


How much can I earn?

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