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Certificates of Deposit

Get a guaranteed rate for the term of your CD.

Fund the future with a CD

Having a stash of cash – for emergency savings or short-term goals – is always a great idea. Investing it in a secure savings solution with a great yield, like a CRCU Certificate of Deposit, is even better.
  •  Flexible terms from 3 to 60 months
  • Available in any amount from $100
  • Interest can be paid monthly as a transfer into your existing savings or checking account
  • Can be automatically rolled over into a new CD at maturity
  • Can be used as collateral for a loan
  • Available as Jumbo Certificates for funds over $90,000
  • Federally insured up to $250,000 by NCUA
  • You may add on to your certificate at any time during the term not to exceed $10,000. This add-on does not apply to IRA and HSA Certificates.

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Computed daily and paid monthly.

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Certificates renew automatically for your convenience.


A variety of terms available from 3 months to 60 months.

What to know

  • Interest is compounded daily and credited monthly
  • Interest rates for new CDs are subject to change monthly
  • Early withdrawal penalty may be assessed – exceptions may be made in the case of death of the primary holder or if taken for a required minimum distribution on an IRA CD 
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It’s never too soon to start saving for the future with IRAs.

  • Ideal for saving for retirement
  • IRA CDs available in term lengths of 3 months to 5 years
  • Minimum required balance: $100
  • $100 opening deposit 
  • Earnings potentially remain tax-deferred until distributed
  • Interest is compounded and credited monthly

CD Rates on Your Term

Certificate of Deposit Minimum Deposit Interest Rate APY*
3 Month CD $100 1.00% 1.00%
6 Month CD $100 1.98%
12 Month CD $100 
12 Month Bump CD1 $100 
18 Month CD $100 
24 Month CD $100 
24 Month Bump CD1 $100 
36 Month CD $100 
48 Month CD $100 
60 Month CD $100 
6 Month JUMBO $90,000 2.13%
12 Month JUMBO $90,000 
2.62% 2.65%
24 Month JUMBO $90,000 
3.10 % 3.15 %
*APY=Annual Percentage Yield. Minimum $100 deposit required. Penalty for early withdrawal. Fees may reduce earnings. APYs, terms and conditions are accurate as of 09/28/22 and are subject to change without notice.**You may add on to your certificate at any time during the term not to exceed $10,000.00. Certificates of Deposit are non-transferable and non-negotiable. The add on does not apply to IRA and HSA Certificates.  1After the promotional period ends, the 12-month CD will renew at 12 months and the 24-month CD will renew at 24 months. Rates are available for new money and money currently on deposit with CRCU. The Bump Certificate offer does not apply to existing certificates or to IRA and HSA CDs. Terms include 12- and 24-Month Bump Certificates. During the term of this certificate, the certificate owner has the option to initiate a rate adjustment (bump up) one time during the term of their certificate to the prevailing CRCU rate on that product. Offer subject to change or cancellation at any time. Please contact a representative for more details. CRCU membership required. 

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How to get yours

Open your CD account at any of our CRCU branches near you or schedule a virtual appointment.

Frequently Asked Questions

When will interest be paid?
Interest is compounded daily and credited monthly.

Can my CD be transferred to my checking/saving automatically at maturity? 

Do I get a higher interest rate for a larger deposit?
Yes, we have a variety of CDs with different terms and interest rates.

Can I add additional money to the CD?
You may add on to your certificate at any time during the term, not to exceed $10,000.  This add-on does not apply to IRA and HSA Certificates.