A fixed rate for money with a known due date
Every certificate term we publish
The 12-month term pays the most right now, which is unusual and worth knowing before you commit for five years.
Rates current as of July 2026 and subject to change. Rates are fixed once a certificate is opened. Membership eligibility required. This is a demonstration website; rates, products, and figures shown are illustrative only.
What it costs to break a certificate early
The penalty is charged in dividends, not in principal. Close a term of 12 months or less before maturity and we subtract 90 days of dividends from what you have earned. On terms longer than 12 months it is 180 days.
Here is the arithmetic on a real case. Put $10,000 into the 12-month certificate at 4.25% APY and close it after five months, and you would have earned roughly $177. The 90-day penalty comes to about $106, so you leave with around $10,071. The original $10,000 is untouched.
The exception is closing very early, before you have earned enough to cover the penalty. In that case the shortfall does come out of the deposit, which is the one scenario where a certificate returns less than you put in. It is also the reason we keep 3- and 6-month terms on the board and why we often steer members toward High-Yield Savings instead.
We waive the penalty entirely on the death of an owner, on a legal declaration of incompetence, and when an IRA certificate is closed to satisfy a required minimum distribution. Before you close anything, call 800.555.7846 or book an appointment; there is often a cheaper way to solve the same cash need.
Long-term rates without long-term regret
A ladder splits one deposit across several terms so part of your money matures every year.
Certificate questions we hear most
Why does the 12-month term pay more than the 60-month?
The market currently prices short money above long money. We publish what we can genuinely pay rather than smoothing the curve so it looks tidy. If the curve flips, the longer terms will move up.
Can I add money to a certificate mid-term?
No. Once it is open the balance is fixed until maturity. If you want to keep adding, hold the money in High-Yield Savings at 4.15% APY and open a new certificate whenever you have a chunk worth committing.
What happens at maturity if I do nothing?
It renews automatically for the same term at the rate in effect that day. You will have received an email 20 days ahead, and you still have ten days after maturity to change course without a penalty.
Can I open a certificate inside an IRA?
Yes, traditional and Roth. IRA certificates use the same terms and rates shown above. Contribution limits and tax treatment are set by the IRS, and our investment services team can help you plan around them.
Are certificates insured like other deposits?
Yes. They are federally insured by the National Credit Union Administration to at least $250,000 per member, the same coverage that applies to checking, savings, and money market balances here.
Lock in a rate this week
Open a certificate online in a few minutes, or sit down with someone at a branch and build the ladder together.