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Certificates of Deposit Rates

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November 12, 2026

Term Minimum Balance to Earn APY Interest Rate APY
Loyalty CDs
10-Month Loyalty CD $0.01–$49,999.99 4.07% 4.15%
$50,000–$99,999.99 4.07% 4.15%
$100,000 or more 4.07% 4.15%
Certificates of Deposit
6 Month Certificate $0.01–$49,999.99 3.83% 3.90%
$50,000–$99,999.99 3.83% 3.90%
$100,000 or more 3.83% 3.90%
12 Month Certificate $0.01–$49,999.99 3.54% 3.60%
$50,000–$99,999.99 3.54% 3.60%
$100,000 or more 3.54% 3.60%
24 Month Certificate $0.01–$49,999.99 3.73% 3.80%
$50,000–$99,999.99 3.73% 3.80%
$100,000 or more 3.73% 3.80%
36 Month Certificate $0.01–$49,999.99 3.83% 3.90%
$50,000–$99,999.99 3.83% 3.90%
$100,000 or more 3.83% 3.90%
48 Month Certificate $0.01–$49,999.99 3.88% 3.95%
$50,000–$99,999.99 3.88% 3.95%
$100,000 or more 3.88% 3.95%
60 Month Certificate $0.01–$49,999.99 3.92% 4.00%
$50,000–$99,999.99 3.92% 4.00%
$100,000 or more 3.92% 4.00%
Youth Certificates of Deposit
Youth 6 Months $100 3.83% 3.90%
Youth 12 Months $100 3.54% 3.60%
2026-11-12 10:59:21

Loyalty CDs

10-Month Loyalty CD

Balance $0.01–$49,999.99
Rate 4.07%
Apy 4.15%

Balance $50,000–$99,999.99
Rate 4.07%
Apy 4.15%

Balance $100,000 or more
Rate 4.07%
Apy 4.15%

Certificates of Deposit

6 Month Certificate

Balance $0.01–$49,999.99
Rate 3.83%
Apy 3.90%

Balance $50,000–$99,999.99
Rate 3.83%
Apy 3.90%

Balance $100,000 or more
Rate 3.83%
Apy 3.90%

12 Month Certificate

Balance $0.01–$49,999.99
Rate 3.54%
Apy 3.60%

Balance $50,000–$99,999.99
Rate 3.54%
Apy 3.60%

Balance $100,000 or more
Rate 3.54%
Apy 3.60%

24 Month Certificate

Balance $0.01–$49,999.99
Rate 3.73%
Apy 3.80%

Balance $50,000–$99,999.99
Rate 3.73%
Apy 3.80%

Balance $100,000 or more
Rate 3.73%
Apy 3.80%

36 Month Certificate

Balance $0.01–$49,999.99
Rate 3.83%
Apy 3.90%

Balance $50,000–$99,999.99
Rate 3.83%
Apy 3.90%

Balance $100,000 or more
Rate 3.83%
Apy 3.90%

48 Month Certificate

Balance $0.01–$49,999.99
Rate 3.88%
Apy 3.95%

Balance $50,000–$99,999.99
Rate 3.88%
Apy 3.95%

Balance $100,000 or more
Rate 3.88%
Apy 3.95%

60 Month Certificate

Balance $0.01–$49,999.99
Rate 3.92%
Apy 4.00%

Balance $50,000–$99,999.99
Rate 3.92%
Apy 4.00%

Balance $100,000 or more
Rate 3.92%
Apy 4.00%

Youth Certificates of Deposit

Youth 6 Months

Balance $100
Rate 3.83%
Apy 3.90%

Youth 12 Months

Balance $100
Rate 3.54%
Apy 3.60%

2026-11-12 10:59:21

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. 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.