Grow your savings—securely and with peace of mind.
Looking for a safe and steady way to grow your money? Our CD accounts offer guaranteed returns with flexible terms to fit your financial goals.
Certificates of Deposit
Why Choose a CD with CPCU?
Competitive Fixed Rates
Earn more than a traditional savings account—with the security of a locked-in rate.
Flexible Terms
Choose from a variety of term lengths, typically ranging from 6 months to 5 years.
Low Minimum Deposits
Start growing your savings with as little as $1,000 and $300.00 for Youth CD’s.
Federally Insured
Your deposits are insured up to applicable limits, giving you peace of mind.
Great for Members Who:
- Want predictable returns
- Are saving for a future expense
- Don’t need immediate access to their funds
How it Works
- Pick a term that works for you (e.g., 12 months, 24 months).
- Lock in your rate—it won’t change for the life of the CD.
- Watch your savings grow until maturity, when you can withdraw or roll over your funds.
Calculate Your Certificate of Deposit (CD) Value
Use this Certificate of Deposit Calculator to help determine the potential interest growth and tax liability on your Certificate of Deposit.
Certificates & IRA Certificates of Deposit
Effective Date: July 1, 2025
Minimum Balance to open: $1,000.00
| Months | APR | APY |
|---|---|---|
| $1,000 to $49,999 | ||
| 6 | 4.200% | 4.267% |
| 12 | 4.250% | 4.318% |
| 18 | 4.250% | 4.318% |
| 24 | 4.200% | 4.267% |
| 30 | 4.000% | 4.060% |
| 36 | 3.900% | 3.957% |
| 48 | 3.750% | 3.803% |
| 60 | 3.750% | 3.803% |
| $50,000 and above | ||
| 6 | 4.300% | 4.370% |
| 12 | 4.350% | 4.421% |
| 18 | 4.350% | 4.421% |
| 24 | 4.300% | 4.370% |
| 30 | 4.100% | 4.163% |
| 36 | 4.000% | 4.060% |
| 48 | 3.850% | 3.906% |
| 60 | 3.850% | 3.906% |
| Rates are subject to change at anytime. Dividends on certificates of deposit are compounded quarterly and paid quarterly. A penalty may be imposed for early withdrawals. Fees may reduce earnings on accounts. Contact us for answers to questions. | ||
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