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Term Share Certificate of Deposits (CD)

Our Term Share CDs offer you flexibility with guaranteed returns.  With terms from 6 months to 5 years, you can choose to have interest compounded or automatically deposited into your checking or savings account

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Term Share CDs

  • Terms from 6 months to 5 years
  • $1,000 minimum to open (IRA available) 
  • Dividends are compounded daily and paid monthly 
  • Choose to have interest compounded or automatically deposited into your checking or savings account.
  • Automatic renewal
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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.  

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Term Share CD FAQs

What types of Certificate of Deposits do you offer?

We offer a variety of CD options:

Welcome CD – A great rate with terms that range from $500 to $250,000

Liquid CD – A penalty-free CD with terms from $2000 to $250,000

Step-it-Up CD – You can take advantage of a rate hike once per term. $500 minimum to open.

Term Share CDs – With terms from six months to five years, you get to choose how much you’ll earn.

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 12/02/2023 and are subject to change without notice. 

Term Share CDs: Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. A penalty will be imposed on early withdrawals from Certificate of Deposits (CD). No additional deposits can be made during the term of the Term 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.Â