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Certificates of Deposit Rates
10/10/2025
| Term | Minimum Balance to Earn APY | Interest Rate | APY | ||
|---|---|---|---|---|---|
| Loyalty CDs | |||||
| 10-Month Loyalty CD | $0.01–$49,999.99 | 3.44% | 3.50% | ||
| $50,000–$99,999.99 | 3.44% | 3.50% | |||
| $100,000 or more | 3.44% | 3.50% | |||
| CD Promotional Offers | |||||
| 11 Month Promo CD | $0.01–$49,999.99 | 3.15% | 3.20% | ||
| $50,000–$99,999.99 | 3.15% | 3.20% | |||
| $100,000 or more | 3.15% | 3.20% | |||
| Certificates of Deposit | |||||
| 6 Month Certificate | $0.01–$49,999.99 | 1.69% | 1.70% | ||
| $50,000–$99,999.99 | 1.69% | 1.70% | |||
| $100,000 or more | 1.69% | 1.70% | |||
| 12 Month Certificate | $0.01–$49,999.99 | 1.98% | 2.00% | ||
| $50,000–$99,999.99 | 1.98% | 2.00% | |||
| $100,000 or more | 1.98% | 2.00% | |||
| 24 Month Certificate | $0.01–$49,999.99 | 2.08% | 2.10% | ||
| $50,000–$99,999.99 | 2.08% | 2.10% | |||
| $100,000 or more | 2.08% | 2.10% | |||
| 36 Month Certificate | $0.01–$49,999.99 | 2.18% | 2.20% | ||
| $50,000–$99,999.99 | 2.18% | 2.20% | |||
| $100,000 or more | 2.18% | 2.20% | |||
| 48 Month Certificate | $0.01–$49,999.99 | 2.28% | 2.30% | ||
| $50,000–$99,999.99 | 2.28% | 2.30% | |||
| $100,000 or more | 2.28% | 2.30% | |||
| 60 Month Certificate | $0.01–$49,999.99 | 2.33% | 2.35% | ||
| $50,000–$99,999.99 | 2.33% | 2.35% | |||
| $100,000 or more | 2.33% | 2.35% | |||
| Youth Certificates of Deposit | |||||
| Youth 6 Months | $100 | 1.69% | 1.70% | ||
| Youth 12 Months | $100 | 1.98% | 2.00% | ||
Loyalty CDs
10-Month Loyalty CD
Balance $0.01–$49,999.99
Rate 3.44%
Apy 3.50%
Balance $50,000–$99,999.99
Rate 3.44%
Apy 3.50%
Balance $100,000 or more
Rate 3.44%
Apy 3.50%
CD Promotional Offers
11 Month Promo CD
Balance $0.01–$49,999.99
Rate 3.15%
Apy 3.20%
Balance $50,000–$99,999.99
Rate 3.15%
Apy 3.20%
Balance $100,000 or more
Rate 3.15%
Apy 3.20%
Certificates of Deposit
6 Month Certificate
Balance $0.01–$49,999.99
Rate 1.69%
Apy 1.70%
Balance $50,000–$99,999.99
Rate 1.69%
Apy 1.70%
Balance $100,000 or more
Rate 1.69%
Apy 1.70%
12 Month Certificate
Balance $0.01–$49,999.99
Rate 1.98%
Apy 2.00%
Balance $50,000–$99,999.99
Rate 1.98%
Apy 2.00%
Balance $100,000 or more
Rate 1.98%
Apy 2.00%
24 Month Certificate
Balance $0.01–$49,999.99
Rate 2.08%
Apy 2.10%
Balance $50,000–$99,999.99
Rate 2.08%
Apy 2.10%
Balance $100,000 or more
Rate 2.08%
Apy 2.10%
36 Month Certificate
Balance $0.01–$49,999.99
Rate 2.18%
Apy 2.20%
Balance $50,000–$99,999.99
Rate 2.18%
Apy 2.20%
Balance $100,000 or more
Rate 2.18%
Apy 2.20%
48 Month Certificate
Balance $0.01–$49,999.99
Rate 2.28%
Apy 2.30%
Balance $50,000–$99,999.99
Rate 2.28%
Apy 2.30%
Balance $100,000 or more
Rate 2.28%
Apy 2.30%
60 Month Certificate
Balance $0.01–$49,999.99
Rate 2.33%
Apy 2.35%
Balance $50,000–$99,999.99
Rate 2.33%
Apy 2.35%
Balance $100,000 or more
Rate 2.33%
Apy 2.35%
Youth Certificates of Deposit
Youth 6 Months
Balance $100
Rate 1.69%
Apy 1.70%
Youth 12 Months
Balance $100
Rate 1.98%
Apy 2.00%
1 Loyalty CDs
For Loyalty CDs: A checking account that has been established for a minimum of 12 months is required. Limit one Loyalty CD and one Loyalty IRA CD per membership.For all Certificate accounts there may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. Additional funds cannot be added on promotional certificates. Minimum balance to open is $500. Upon maturity, the promo CD account will automatically renew for a 12-month term at then-current 12-month CD rate.