Source: https://www.myconsumers.org/checking-and-savings/personal-banking/savings-accounts/certificates
Read: 2026-10-22T10:08:08.000Z

Certificates of Deposit (CDs) | Certificate Rates | Consumers Credit Union (CCU) Skip to Main Content
# Certificates
Earn more
with high-yield certificates.
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View Rates and Options
## Lock in a great rate and watch your savings grow.
### 7-Month Term
4.45%
Super-Jumbo 7-Month Certificate - Minimum $250,000 investment
4.40%
Jumbo 7-Month Certificate - Minimum $100,000 investment
4.35%
Regular 7-Month Certificate - Minimum $250 investment
### 13-Month Term
4.45%
Super-Jumbo 13-Month Certificate - Minimum $250,000 investment
4.40%
Jumbo 13-Month Certificate - Minimum $100,000 investment
4.35%
Regular 13-Month Certificate - Minimum $250 investment
### Higher Returns
Certificates offer better return rates than standard savings accounts, especially over longer terms.
### Guaranteed Returns
Earn a fixed dividend rate over your Certificate term. Growth is predictable, secure, and guaranteed.
### Safe, Secure Investment
Your principal is insured up to $250,000 (through NCUA), making certificates an easy, low-risk investment option.
## Make the most of your money
When it comes to investing your hard-earned money, our Certificate options offer peace of mind and guaranteed growth—at higher rates than a traditional savings account.
Start Saving Today
Select months/years above or bar graphs to change the certificate term length.
− Initial Certificate Amount Min Certificate Amount is $250
+
Term
18 Months
Interest
$174.54
Interest Rate
0.99%
APY*
0.99%
This calculator provides an estimate based on multiple compounding methods.
Calculator results are estimates only. Calculator results are provided for illustrative and educational purposes only and are not guarantees of future earnings, rates, payments, or loan approval. APY = Annual Percentage Yield. Estimates are not advertisements for credit terms and do not constitute a commitment to lend. Actual loan and deposit account terms may differ based on applicable rates, account activity, credit qualifications, underwriting, fees, and other factors. Please contact Consumers Credit Union for current rates, disclosures, and complete product details.
## Certificate/IRA & HSA Certificate Accounts
##
Regular Certificates offer competitive fixed rates with flexible terms, making them a great choice for steady, secure growth.
Rates guaranteed for the term of your certificate
Minimum deposit of $250
Variety of maturity dates available from 91 days to 5 years
Dividends compound daily and post monthly
Apply Now
NOTE: IRA Certificate Options (Offering Traditional, Roth, Simplified Employee Pension and Education IRAs) may be opened in person at one of our branches or by calling 877. ASK.CCCU.
Term | Minimum | Rate | APY*
91 Day^ | $250.00 | 0.50% | 0.50%
6 Months | $250.00 | 0.65% | 0.65%
7 Months | $250.00 | 4.26% | 4.35%
1 Year | $250.00 | 0.90% | 0.90%
13 Months | $250.00 | 4.26% | 4.35%
18 Months | $250.00 | 0.99% | 0.99%
20 Months | $250.00 | 3.45% | 3.50%
2 Years | $250.00 | 1.00% | 1.00%
30 Months | $250.00 | 1.19% | 1.19%
3 Years | $250.00 | 1.29% | 1.30%
4 Years | $250.00 | 1.34% | 1.35%
5 Years | $250.00 | 1.49% | 1.50%
Rates effective October 7, 2026
Truth in Savings Disclosure
*APY = Annual Percentage Yield. APY is subject to change without notice. Dividends compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
^ 91 Day not available as an IRA or HSA Certificate.
Promotional term certificates are valid for a limited time only. At maturity, the promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth-In-Savings Disclosure for full details.
Let us help you open your new IRA Certificate. Please call us at 877.ASK.CCCU (877.275.2228) or visit a branch for assistance.
## Jumbo/Jumbo IRA & HSA Certificate Accounts
##
##
##
Have more to invest? Maximize your savings with a Jumbo Certificate. With higher deposit minimums, you get higher returns—guaranteed.
Rates guaranteed for the term of your certificate
Minimum deposit of $100,000
Variety of maturity dates available from 91 days to 5 years
Dividends compound daily and post monthly
Apply Now
NOTE: IRA Certificate Options (Offering Traditional, Roth, Simplified Employee Pension and Education IRAs) may be opened in person at one of our branches or by calling 877. ASK.CCCU.
Term | Minimum | Rate | APY*
7 Months | $100,000.00 | 4.31% | 4.40%
1 Year | $100,000.00 | 1.00% | 1.00%
13 Months | $100,000.00 | 4.31% | 4.40%
18 Months | $100,000.00 | 1.09% | 1.09%
20 Months | $100,000.00 | 3.49% | 3.55%
2 Years | $100,000.00 | 1.10% | 1.10%
30 Months | $100,000.00 | 1.29% | 1.29%
3 Years | $100,000.00 | 1.39% | 1.40%
4 Years | $100,000.00 | 1.44% | 1.45%
5 Years | $100,000.00 | 1.59% | 1.60%
Rates effective October 7, 2026
*APY = Annual Percentage Yield. APY is subject to change without notice. Dividends compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Promotional term certificates are valid for a limited time only. At maturity, the promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth-In-Savings Disclosure for full details.
Let us help you open your new IRA Certificate. Please call us at 877.ASK.CCCU (877.275.2228) or visit a branch for assistance.
## Super Jumbo/Super Jumbo IRA & HSA Certificate Accounts
##
Have more to invest? Maximize your savings with a Super Jumbo Certificate. With higher deposit minimums, you get higher returns—guaranteed.
Rates guaranteed for the term of your certificate
Minimum deposit of $250,000
Variety of maturity dates available from 91 days to 5 years
Dividends compound daily and post monthly
Apply Now
NOTE: IRA Certificate Options (Offering Traditional, Roth, Simplified Employee Pension and Education IRAs) may be opened in person at one of our branches or by calling 877. ASK.CCCU.
Term | Minimum | Rate | APY*
7 Months | $250,000.00 | 4.36% | 4.45%
1 year | $250,000.00 | 1.10% | 1.10%
13 Months | $250,000.00 | 4.36% | 4.45%
18 Months | $250,000.00 | 1.19% | 1.19%
20 Months | $250,000.00 | 3.54% | 3.60%
2 Years | $250,000.00 | 1.20% | 1.20%
30 Months | $250,000.00 | 1.38% | 1.39%
3 Years | $250,000.00 | 1.49% | 1.50%
4 Years | $250,000.00 | 1.54% | 1.55%
5 Years | $250,000.00 | 1.69% | 1.70%
Rates effective October 7, 2026
*APY = Annual Percentage Yield. APY is subject to change without notice. Dividends compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Promotional term certificates are valid for a limited time only. At maturity, the promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth-In-Savings Disclosure for full details.
Let us help you open your new IRA Certificate. Please call us at 877.ASK.CCCU (877.275.2228) or visit a branch for assistance.
Have more questions about your IRA or HSA? We're always in your corner. Please fill out our form and we'll contact you with further assistance.
Fill Out Our Form
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## Health Savings Account (HSA)
This account provides competitive monthly dividends along with no account fees. To contribute you must be enrolled in an eligible High-Deductible Health Plan.
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