Certificates of Deposit (CDs)
Choose a term that works for you and enjoy a guaranteed fixed interest rate. Opening a credit union CD offers security and peace of mind, whether you're saving for short-term goals, next year's plans, college tuition, or retirement.
Investing in a CD account is a safe and easy way to grow your savings.
Regular CD
A Regular CD is a great way to earn bigger returns and invest with certainty.
Earn up to
4.51%
APY1
with Advantage Plus Rewards
- Competitive interest rates
- $500 minimum deposit
- Flexible 3 to 60-month terms
EZ-Saver CD
Perfect for earning great returns without having to make a large deposit.
Interest
Paid
Monthly
- $50 minimum to open
- Unlimited deposits
- 6, 12, and 24-month terms
Estimate your returns between two different CDs.
Use our CD calculator to compare deposit amounts, terms, and interest rates side by side. Adjusting the numbers can also help you plan a CD ladder strategy, where you open multiple certificates with staggered maturity dates to keep your money working while maintaining regular access to funds.
Frequently Asked Questions
A credit union CD is a certificate of deposit offered by a credit union instead of a bank. It works the same way as a traditional CD, locking in a fixed rate for a set term, with the added benefit of member-owned service and NCUA insurance up to $250,000.
Our Regular CD offers flexible 3 to 60-month terms, and our EZ-Saver CD offers 6, 12, and 24-month terms. Choose the length that matches your savings timeline.
A CD ladder is a savings strategy where you divide your deposit across multiple CDs with different maturity dates. This gives you regular access to portions of your savings while still earning competitive rates on the rest.
Yes. You can open a CD account online, at any branch, or by scheduling an appointment with a team member who can help you choose the right option.
Do you have questions about CDs? We're here to help.
Whether you're comparing certificate account options, curious about how to open a CD account, or wondering which term fits your goals, our team is ready to help.
- Annual Percentage Yield of 4.51% to be paid on balances in 7-Month Promo CD when account activity meets qualifications as Advantage Plus Rewards at time of opening. Account activity that does not meet Advantage Plus Rewards qualifications will earn an APY of 4.25%. APY is accurate as of 06/16/2026 and is based on an assumption that dividends will remain in that account until maturity. A withdrawal will reduce earnings. Early CD withdrawal penalties may apply. 7-Month Promo rate terms to revert to non-promo 6-Month terms upon maturity. $500 minimum balance. See adviacu.org/APlus for qualifications. All offers and rates are subject to change at any time. Restrictions apply.