Certificates
Certificates of Deposit (CDs)
Certificates are an effective way to save for those who are looking for stability and protection of their principal over a period of time. Consider including CDs as part of your investment plan. You can also move your deposits from your 401k into a self-directed IRA certificate.
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The Credit Union offers terms from three to sixty months. These various terms provide you the flexibility of “laddering” your deposits over various periods of time. If you are concerned over the volatility of the stock market, saving your money in a long-term certificate may be an option.
*Annual Percentage Yield. Open to existing and new members. Minimum certificate deposit of $1,000; $250,000 maximum deposit. Must maintain a minimum $1,000 daily balance to earn the disclosed rate. An early withdrawal penalty may apply. This offer can be discontinued at any time. Federally Insured by NCUA. We recommend that you consult your attorney, 注册会计师, or financial advisor on what investment options are best for you.
Certificate 利率
| 术语 | Dividend Rate (DR) | 年* |
|---|---|---|
| % | % | |
| 3 Months | 0.399% | 0.40% |
| 6 Months | 0.499% | 0.50% |
| 12 Months | 0.995% | 1.00% |
| 16 Months Promo | 3.200% | 3.25% |
| 18 Months | 1.490% | 1.50% |
| 24 Months | 1.785% | 1.80% |
| 30 Months | 3.445% | 3.50% |
| 36 Months | 3.542% | 3.60% |
| 48 Months | 3.687% | 3.75% |
| 60 Months | 4.073% | 4.15% |
Minimum balance for Certificates is $1,000.
Last Updated: 12/27/2023
| 术语 | Dividend Rate (DR) | 年* |
|---|---|---|
| 12 Months | 0.995% | 1.00% |
| 18 Months | 1.490% | 1.50% |
| 16 Months Promo | 3.200% | 3.25% |
| 24 Months | 1.785% | 1.80% |
| 30 Months | 3.445% | 3.50% |
| 36 Months | 3.542% | 3.60% |
| 48 Months | 3.687% | 3.75% |
| 60 Months | 4.073% | 4.15% |
Minimum balance for IRA Certificates is $1,000.
Last Updated: 12/27/2023
Certificates 常见问题
When you open your CD with us, you will have the opportunity to make arrangements for the money upon the CD maturity date. If you do not make arrangements then, there is a 10-day grace period after your CD reaches maturity during which time you may roll over your balance to a new CD, add funds to the account or reduce the balance. You can also transfer the money to a different account or close the account without penalty.
If you want to roll over your balance to a new CD, please contact us for the latest dividend rates and Annual Percentage Yield (APY) and to discuss term options. We can be reached during regular business hours at 415-775-5377.
Contact Us for more information or call 415-775-5377