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Share Certificate (CD) Account

Save More with Great Rates on Share Certificates

In today’s financial landscape, finding a safe and reliable way to grow your savings is more important than ever. That’s where Share Certificates (CDs) come in! At CCECU, we offer a variety of CD terms that allow you to lock in great rates and watch your money grow securely.

What Are CDs?

Certificates are a type of savings account that offer a fixed interest rate over a specified term, which can range from 6 to 60 months. By committing to keep your funds in the account for the agreed-upon term, you can benefit from higher interest rates compared to traditional share savings accounts.

Why Choose CCECU Certificates?

Flexible Terms: With terms ranging from just 6 months to 5 years, you can choose a CD that aligns perfectly with your financial goals and timeline.

Competitive Fixed Rates: Our Certificates feature attractive, fixed interest rates that help maximize your returns. This means you can plan for the future with confidence, knowing exactly how much your savings will grow.

Security: Your deposits are federally insured by the National Credit Union Administration (NCUA) up to $250,000, ensuring your money is safe and sound while it earns interest.

Low Minimum Deposit: You can open a CCECU CD with as little as $500, making it an accessible option for savers at any stage.

Start Saving Today!

Don’t let your hard-earned money sit idle in a low-interest account. Take advantage of our great Certificate rates and watch your savings flourish. Whether you’re saving for a big purchase, planning for retirement, or just building an emergency fund, our Certificates provide a straightforward and secure way to achieve your financial goals.

Ready to get started? Give us a call or stop by our ofice today to learn more about opening your Certificate!

Need Help?

If you have any questions or need assistance, don’t hesitate to contact us. We’re here to help you every step of the way.

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration, a United States Government Agency.

Regular Certificate Rates

Term

Minimum Balance

Interest Frequency

Interest Rate

APY*

6 Months

$500

Monthly

4.00%

4.00%

12 Months

$500

Monthly

3.75%

3.75%

24 Months

$500

Monthly

3.75%

3.75%

36 Months

$500

Monthly

3.25%

3.25%

48 Months

$500

Monthly

3.00%

3.00%

60 Months

$500

Monthly

3.00%

3.04%

IRA Certificate Rates

Account Type

Minimum Balance

Interest Frequency

Interest Rate

APY*

6 Months

$500

Monthly

4.00%

4.00%

12 Months

$500

Monthly

3.75%

3.75%

24 Months

$500

Monthly

3.75%

3.75%

36 Months

$500

Monthly

3.25%

3.25%

48 Months

$500

Monthly

3.00%

3.00%

60 Months

$500

Monthly

3.00%

3.00%

*APY: Annual Percentage Yield
1$5 Average Daily Balance required to earn dividend
2$100 Average Daily Balance required to earn dividend.
3$1,000 Average Daily Balance required to earn dividend.
46 withdrawals allowed per month at no charge. Any withdrawal after 6 will incur a $10 per withdrawal fee.
5Christmas Club dividends paid October 31st annually
Rates are variable and subject to change by the Board of Directors without notice. Fees may reduce earnings. Other restrictions may apply. Contact a Credit Union employee for current rates and terms.

Effective September 24, 2025