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Source: https://www.honorcu.com/certificate-of-deposit/
Read: 2026-10-22T16:22:51.000Z

Certificate of Deposit | Honor Credit Union
## 4.03% APY*
*APY = Annual Percentage Yield. APY is accurate as of 10/12/26. 8-MONTH CD SPECIAL. Not applicable for Public Funds. To receive the above stated 8-month CD Special at 4.03% APY, a minimum opening balance of $1,000 is required. CD is not eligible for rate protector benefit, a one-time rate bump over the course of the term. Early withdrawal penalty for 8-month CD special term is 90 days of interest. Fees could reduce earnings. The 8-month CD Special will renew at the standard 9-month CD terms upon maturity.
Term | Interest Rate | APY*
3 months 1 | 0.499% | 0.500%
6 months 1 | 1.243% | 1.250%
8-month special 2 | 3.957% | 4.030%
9 months 1 | 1.243% | 1.250%
12 months 1 | 1.490% | 1.500%
18 months 1 | 1.490% | 1.500%
24 months 1 | 1.588% | 1.600%
30 months 1 | 1.588% | 1.600%
36 months 1 | 1.933% | 1.950%
48 months 1 | 2.031% | 2.050%
60 months 1 | 2.129% | 2.150%
12-month add-on 3 | 1.490% | 1.500%
12-month add-on HSA 4 | 1.490% | 1.500%
All youth under the age of 18 will receive an additional 0.25% APY to the stated rates unless otherwise noted. A penalty fee may be imposed if you withdrawal funds prior to the maturity date. Insured by NCUA.
*APY= Annual Percentage Yield.
2 8-MONTH CD SPECIAL. Not applicable for Public Funds. To receive the above stated 8-month CD Special at 4.03% APY, a minimum opening balance of $1,000 is required. CD is not eligible for rate protector benefit, a one-time rate bump over the course of the term. Early withdrawal penalty for 8-month CD special term is 90 days of interest. Fees could reduce earnings. The 8-month CD Special will renew at the standard 9-month CD terms upon maturity.
3 12-month add-on not eligible for additional 0.25% APY youth rate bump or rate protector adjustment. 12-month add-on CD not eligible for IRA CD’s. HSA CD only available on the 12-month add-on CD rate and term. Contact a member service representative to open an HSA CD.
Term | Interest Rate | APY*
Jumbo 12 months 3 | 1.736% | 1.750%
Jumbo 24 months 3 | 1.834% | 1.850%
Jumbo 36 months 3 | 2.178% | 2.200%
Jumbo 48 months 3 | 2.276% | 2.300%
Jumbo 60 months 3 | 2.374% | 2.400%
All youth under the age of 18 will receive an additional 0.25% APY to the stated rates unless otherwise noted. A penalty fee may be imposed if you withdrawal funds prior to the maturity date. Insured by NCUA.
*APY= Annual Percentage Yield.
What is APY?
Annual Percentage Yield (APY) expresses an annual rate of return taking into account the effect of compounding.
Simply put, the higher the APY, the faster your balance grows. If you have two similar interest rates, the more frequently interest is compounded, the higher the APY will be. Those higher APYs can mean more savings for you.