APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
Lines containing rates, copied from the public page below; open that page for full terms. Never enter account details on apyledger.com.

Source: https://www.jdcu.org/personal/save-spend/certificates-of-deposit/
Read: 2026-10-22T16:22:58.000Z

Term | Min. to Open | Interest Rate | APY*
* APY = Annual Percentage Yield. Rates are effective as of September 21, 2026. A penalty may be imposed for early withdrawal. A $250.00 minimum balance and $5.00 membership account are required to open a Certificate of Deposit. Upon maturity, certificate may automatically roll into another term. Please check with a Member Service Representative for additional information. **This certificate is available with a one-time bump-up option.
Term 6 Months - SPECIAL OFFER | Min. to Open $250.00 | Interest Rate 3.445% | APY* 3.50%
Term 9 Months - SPECIAL OFFER | Min. to Open $250.00 | Interest Rate 3.928% | APY* 4.00%
Term 12 Months | Min. to Open $250.00 | Interest Rate 1.490% | APY* 1.50%
Term 17 Months - SPECIAL OFFER | Min. to Open $250.00 | Interest Rate 4.073% | APY* 4.15%
Term 18 Months - SPECIAL OFFER | Min. to Open $250.00 | Interest Rate 3.445% | APY* 3.50%
Term 24 Months** - SPECIAL OFFER | Min. to Open $250.00 | Interest Rate 4.169% | APY* 4.25%
Term 30 Months | Min. to Open $250.00 | Interest Rate 1.982% | APY* 2.00%
Term 36 Months - SPECIAL OFFER | Min. to Open $250.00 | Interest Rate 3.590% | APY* 3.65%
Term 42 Months** | Min. to Open $250.00 | Interest Rate 3.687% | APY* 3.75%
Term 48 Months | Min. to Open $250.00 | Interest Rate 2.227% | APY* 2.25%
Term 60 Months | Min. to Open $250.00 | Interest Rate 2.472% | APY* 2.50%
The annual percentage yield (APY) goes up as the terms increase – so the longer you save, the more you’ll earn.
## Bump Up Your APY
With 24 or 42-month terms, you get a chance to change your APY to match market rates.
Step 1 | Collect Your Details Gather your personal information and documents.
Step 2 | Apply Online Complete a quick application online or visit your local branch.
Step 3 | Make a Deposit Start with as little as $250 then stay on track for great savings results.
The annual percentage yield (APY) is the total amount you may earn in a year, including your compounded interest.
Kickstart your savings with a generous APY on your first $500, with no monthly fees and no minimum balance.