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Certificate of Deposit (CD) Accounts 

Increase Your Savings Options Today 

A CD account is a step up from your traditional savings account, as you can earn more to achieve your unique financial goals! At Christian Community Credit Union, you’ll find that we offer high-yield CD accounts with a wide range of terms, so you have the freedom to choose the account that’s best for you. Upgrade your rainy-day savings and maximize earnings with CDs that will help you live and give more abundantly.

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Explore Our CD Account Options 

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Welcome CD 
2.00% APY*

Start strong and build your savings

Offered at a special high rate to help members earn more for the future.

  • 18 months 
  • $500 minimum to open; $250,000 maximum 
  • One CD per member
  • New money only

Terms and Conditions Apply1

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Liquid CD 
1.00% APY*

Enjoy more freedom with our Liquid CD!

The great rate helps you grow your savings. And easy access means you’re never far from your cash!

  • 15 months 
  • $2,000 minimum to open; $250,000 maximum
  • Penalty-FREE withdrawals 
  • New money only

Terms and Conditions Apply2
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Step-It-Up CD
1.20% APY*

Worried about missing out when rates increase?

Our Step-It-Up CDis the answer! You can STEP UP your CD’s rate one time per term.

  • 30 months
  • $500 minimum to open

Terms and Conditions Apply3

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Term Share CDs

Save more and earn more with more choices!

Terms from six months to five years are available.

  • Dividends are compounded daily and paid monthly 
  • Automatic renewal 
  • Choose to have interest compounded or automatically deposited to your checking or savings account 
  • $1,000 minimum to open

Terms and Conditions Apply4

Compare our Rates to the Big Banks!

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Savings Goal Calculator

Use this free savings calculator to help you figure out how your money can grow over time based on APY rate.  

CD FAQs

When is interest posted to my CD account?  

Dividends are compounded daily and paid monthly.

Can I add funds to my CD once opened?

Once your CD is opened, you cannot add funds until your CD matures. When your CD matures, you’ll have a 7-calendar day grace period — starting on your maturity date — to transfer funds or make other changes.

What happens to my CD at maturity?

There is a 7-calendar day grace period starting on your maturity date to:  

  • Change the term  
  • Make additional deposits or withdraw funds  
  • Close the CD  

After your 7-day grace period, your CD will automatically renew into the same term if you don’t make any changes. Exceptions are:  
Welcome CD and Liquid CD will renew into a 12-month Term Share CD at the prevailing rate  

Step-it-Up will renew into a 24-month Term Share CD at the prevailing rate.

Terms & Conditions

*APY = Annual Percentage Yield. APYs are accurate as of  09/26/2022 and are subject to change without notice. 

1. Welcome CD: At maturity, the Certificate of Deposit (CD) will renew into a 12-month term share CD at the prevailing rate. A penalty will be imposed on early withdrawals from the Certificates of Deposit account. IRA not available for Welcome CD. 
$500 minimum; $250,000 maximum.  Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. No additional deposits can be made during the term of the Share CD. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000. 
‡New money is money that is not presently on deposit at Christian Community Credit Union. Existing CCCU Members:  New money is defined as deposits posted to your CCCU account within the past 30 days. The Credit Union reserves the right to make the sole judgment as to whether or not the deposited funds are considered new money. 
2. Liquid CD: $2,000 minimum; $250,000 maximum. New money only.‡ APY assumes that dividends remain in the account until maturity. No penalty for withdrawals of up to 50% of the start-of-day Certificate of Deposit (CD) balance, minimum $500, if made after the CD has been opened for a minimum of seven days. Withdrawal amounts in excess of 50% in one day will be subject to a 90-day interest penalty, not to exceed interest earned to date. Withdrawal of any amount in the first six days of the CD being open will result in a penalty of seven days’ dividends. At maturity, the CD will renew into a 12-month, regular term share CD at the prevailing rate. Deposits cannot be a transfer from existing funds with Christian Community Credit Union. Not available for IRA accounts. 
A withdrawal will reduce earnings. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000. 
‡New money is money that is not presently on deposit at Christian Community Credit Union. Existing CCCU Members:  New money is defined as deposits posted to your CCCU account within the past 30 days.  The Credit Union reserves the right to make the sole judgment as to whether or not the deposited funds are considered new money. 
3. Step-it-Up CD: If the standard rate increases on a 30-month certificate, you can STEP UP your rate once during the term. At maturity, the certificate will renew into a 24-month term share CD at the prevailing rate. $500 minimum. Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. No additional deposits can be made during the term of the Share CD. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000. 
4. Term Share CDs: Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. No additional deposits can be made during the term of the Share CD. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.