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Certificates of Deposit Rates
November 02, 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 | 2.96% | 3.00% | ||
| $50,000–$99,999.99 | 2.96% | 3.00% | |||
| $100,000 or more | 2.96% | 3.00% | |||
| 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 2.96%
Apy 3.00%
Balance $50,000–$99,999.99
Rate 2.96%
Apy 3.00%
Balance $100,000 or more
Rate 2.96%
Apy 3.00%
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 on the membership for which the CD is opened. 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.