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2026-07-15 21:22:02

Certificates of Deposit Rates

Open an Account

July 15, 2026

Term Minimum Balance to Earn APY Interest Rate APY
Loyalty CDs
10-Month Loyalty CD $0.01–$49,999.99 3.68% 3.75%
$50,000–$99,999.99 3.68% 3.75%
$100,000 or more 3.68% 3.75%
Certificates of Deposit
6 Month Certificate $0.01–$49,999.99 3.44% 3.50%
$50,000–$99,999.99 3.44% 3.50%
$100,000 or more 3.44% 3.50%
12 Month Certificate $0.01–$49,999.99 2.96% 3.00%
$50,000–$99,999.99 2.96% 3.00%
$100,000 or more 2.96% 3.00%
24 Month Certificate $0.01–$49,999.99 3.15% 3.20%
$50,000–$99,999.99 3.15% 3.20%
$100,000 or more 3.15% 3.20%
36 Month Certificate $0.01–$49,999.99 3.15% 3.20%
$50,000–$99,999.99 3.15% 3.20%
$100,000 or more 3.15% 3.20%
48 Month Certificate $0.01–$49,999.99 3.20% 3.25%
$50,000–$99,999.99 3.20% 3.25%
$100,000 or more 3.20% 3.25%
60 Month Certificate $0.01–$49,999.99 3.25% 3.30%
$50,000–$99,999.99 3.25% 3.30%
$100,000 or more 3.25% 3.30%
Youth Certificates of Deposit
Youth 6 Months $100 3.44% 3.50%
Youth 12 Months $100 2.96% 3.00%
2026-07-15 21:22:02

Loyalty CDs

10-Month Loyalty CD

Balance $0.01–$49,999.99
Rate 3.68%
Apy 3.75%

Balance $50,000–$99,999.99
Rate 3.68%
Apy 3.75%

Balance $100,000 or more
Rate 3.68%
Apy 3.75%

Certificates of Deposit

6 Month Certificate

Balance $0.01–$49,999.99
Rate 3.44%
Apy 3.50%

Balance $50,000–$99,999.99
Rate 3.44%
Apy 3.50%

Balance $100,000 or more
Rate 3.44%
Apy 3.50%

12 Month Certificate

Balance $0.01–$49,999.99
Rate 2.96%
Apy 3.00%

Balance $50,000–$99,999.99
Rate 2.96%
Apy 3.00%

Balance $100,000 or more
Rate 2.96%
Apy 3.00%

24 Month Certificate

Balance $0.01–$49,999.99
Rate 3.15%
Apy 3.20%

Balance $50,000–$99,999.99
Rate 3.15%
Apy 3.20%

Balance $100,000 or more
Rate 3.15%
Apy 3.20%

36 Month Certificate

Balance $0.01–$49,999.99
Rate 3.15%
Apy 3.20%

Balance $50,000–$99,999.99
Rate 3.15%
Apy 3.20%

Balance $100,000 or more
Rate 3.15%
Apy 3.20%

48 Month Certificate

Balance $0.01–$49,999.99
Rate 3.20%
Apy 3.25%

Balance $50,000–$99,999.99
Rate 3.20%
Apy 3.25%

Balance $100,000 or more
Rate 3.20%
Apy 3.25%

60 Month Certificate

Balance $0.01–$49,999.99
Rate 3.25%
Apy 3.30%

Balance $50,000–$99,999.99
Rate 3.25%
Apy 3.30%

Balance $100,000 or more
Rate 3.25%
Apy 3.30%

Youth Certificates of Deposit

Youth 6 Months

Balance $100
Rate 3.44%
Apy 3.50%

Youth 12 Months

Balance $100
Rate 2.96%
Apy 3.00%

2026-07-15 21:22:02

Balance
Rate
Apy

Note: Certificates of Deposit

For all Certificate accounts there may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. Additional funds cannot be added on promotional certificates. Minimum balance to open is $500.

1 Loyalty CDs

For Loyalty CDs: A checking account that has been established for a minimum of 12 months is required on the membership for which the CD is opened. Limit one Loyalty CD and one Loyalty IRA CD per membership. Upon maturity, the Loyalty CD account will automatically renew for a 12-month term at then-current 12-month CD rate.

2 Certificates of Deposit

Minimum balance to open is $500. For all Certificate accounts there may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. Additional funds cannot be added on promotional certificates. IRA & ESA options are available on all terms and HSA option is available on 6, 12, 24 and 36 month terms. For IRA, ESA and HSA accounts: Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.

3 Youth Certificates

Available on memberships where the primary owner is under the age of 18. Minimum balance to open is $100. For Youth Certificates, there may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. Additional funds cannot be added on promotional certificates. For IRA, ESA and HSA accounts: Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information. 

APY (Terminology)

APY = Annual Percentage Yield.