Liquid Certificate
Maximize your earnings with the flexibility of our Liquid Certificate. With no penalties on withdrawals,1 you get a great rate that’s compounded daily and an account that’s easy to access when you need it!
Liquid Certificate
- 15 months
- $2,000 minimum; $250,000 maximum
- Penalty-FREE withdrawals1
- New money only2
- Minimum to Open: $2,000
- Maximum: $250,000
- Term: 15 Months
- APY*: 1.90%
Compare our Rates to the Big Banks!
Savings Goal Calculator
Use this free savings calculator to help you figure out how your money can grow over time based on APY rate.
It’s Never Too Late to Save and Invest!
Most investing advice out there seems to be geared towards people just starting their careers. But what if you’re in your 40s or 50s and have never saved for retirement?…
Terms & Conditions
*Liquid Certificate: *APY= Annual Percentage Yield (APY). APYs are accurate as of 05/08/2025 and are subject to change without notice. $2,000 minimum; $250,000 maximum. New money only‡. APY assumes that dividends remain in the account until maturity. At maturity, the Certificate will renew into a 12-month, regular term share Certificate 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.
1. No penalty for withdrawals of up to 50% of the start-of-day Certificate balance, minimum $500, if made after the Certificate 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 Certificate being open will result in a penalty of seven days’ dividends.
2. 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.