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Share Certificates (CDs)

Lock in competitive interest rates for a set time period to help reach your savings goals sooner.

Credit Union 1 share certificates—which are similar to a certificate of deposit (CD) at banks—help you boost your savings by earning dividends at a locked-in rate for a fixed period of time. A CU1 share certificate can be opened with a minimum $1,000 deposit and will automatically roll over when it reaches maturity, with a 10-day grace period. Simply open a CD to lock in your rate and watch your savings grow.

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Featured Share
Certificates

12-Month
Share Certificate (CD) 3.25% APY 1 More Info Disclosures
24-Month
Share Certificate (CD) 3.00% APY 1 More Info Disclosures
36-Month
Share Certificate (CD) 3.00% APY 1 More Info Disclosures

Highly Competitive Rates

With a CD, you agree to keep your funds deposited for a set period of time, which allows CU1 to offer our best rates to help you reach your goals sooner.

Multiple Term Options

Whether you are saving for a short-term or long-term goal, CU1 has CDs ranging from 6 to 60 months so you can choose the best fit for your needs.

Secure & Low Risk

When you open a CD, you lock in that interest rate for the full term. You will earn dividends at that fixed rate no matter how the market changes.

Share Certificate (CD)

Term Minimum Balance to Open and Earn Dividends APY1 APR Early Withdrawal Penalty2
6 Months $1,000 2.00% APY 1.982% APR 90 Days’ Dividends
12 Months $1,000 3.25% APY 3.202% APR 90 Days’ Dividends
24 Months $1,000 3.00% APY 2.959% APR 180 Days’ Dividends
36 Months $1,000 3.00% APY 2.959% APR 270 Days’ Dividends
48 Months $1,000 2.75% APY 2.715% APR 270 Days’ Dividends
60 Months $1,000 2.75% APY 2.715% APR 270 Days’ Dividends

Last Dividend Declaration Date: August 28, 2024. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compound monthly.

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Online

A simple, self-service option to open a Share Certificate (CD) quickly, at your own convenience.

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In Person

Our CU1 team members would be happy to assist you with account opening and more at the branch closest to you.

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Over the Phone

Our Member Solutions Specialists are available Monday through Friday, 9am - 6pm CST, and Saturday 9am - 1pm CST.

Call 800.580.2479

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