Certificate of Deposit

Make your money make you money

Those long hours have paid off with extra savings. Put that money to work in one of our high-interest certificate of deposit (CD) accounts. Start earning more today.

OPEN CD ACCOUNT

Featured CDs

8 months

Savings CD

4.00% APY*

As of July 16, 2026

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5 months

Savings CD

3.75% APY*

As of July 16, 2026

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Want to earn even more?

Earn additional interest on a 12-month CD** by opening a SECU Total^TM Checking & Rewards account, which offers cash back*** and bonus credit card rewards**** on points-eligible cards.

OPEN CHECKING ACCOUNT

Certificate of Deposit (CD)

Certificate of Deposit (CD) Rates

Rates current as of: July 16, 2026

3 months Open now	2.00% APY*	1.99% Rate
5 months \| Open now	3.75% APY*	3.70% Rate
6 months Open now	3.20% APY*	3.16% Rate
7 months \| Open now	2.00% APY*	1.99% Rate
8 months \| Open now	4.00% APY*	3.94% Rate
9 months Open now	3.20% APY*	3.16% Rate
11 months Open now	3.00% APY*	2.97% Rate
1 year Open now	3.55% APY*	3.50% Rate
12 Month Gold Set appointment to open Requires SECU Total^TM Checking – Gold level	3.70% APY*	3.65% Rate
12 Month Platinum Set appointment to open Requires SECU Total^TM Checking – Platinum level	3.80% APY*	3.75% Rate
1-year Add-On Open now	2.85% APY*	2.82% Rate
1-year Jumbo Set appointment to open	3.65% APY*	3.60% Rate
13 Month Open now	3.00% APY*	2.97% Rate
15 months \| Open now	3.20% APY*	3.16% Rate
17 months \| Open now	2.00% APY*	1.99% Rate
18 months Open now	3.00% APY*	2.97% Rate
2 years Open now	3.00% APY*	2.97% Rate
2-year Jumbo Set appointment to open	3.30% APY*	3.26% Rate
30 months Open now	3.00% APY*	2.97% Rate
3 years Open now	3.00% APY*	2.97% Rate
4 years Open now	1.75% APY*	1.74% Rate
5 years Open now	1.80% APY*	1.79% Rate
5-year Step-Up†	1.40% APY*	1.39% Rate

Need help deciding?

With so many great options, you might like some advice. Visit our Virtual Financial Center to speak directly with a member advisor. Or schedule an appointment when it’s convenient for you.

VISIT VIRTUAL FINANCIAL CENTER
SCHEDULE IN-PERSON APPOINTMENT
SCHEDULE VIRTUAL APPOINTMENT

CDs and savings insights

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November 5, 2025

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October 14, 2025

Having a plan helps ensure that when it’s time, you have options to do what’s best for you and your family.

Back to school, back to savings

September 22, 2025

Here’s your opportunity to harvest some extra cash this fall.

*APY = Annual Percentage Yield. This page is updated regularly.

**12 month gold and 12 month platinum CDs are only available to members that have a SECU Total^TM Checking & Rewards account that qualified for the gold or platinum rewards level in the last 3 months and must be opened in a financial center, the Virtual Financial Center, or via mail.

APY yield is accurate as of {{calculating}}. Early withdrawal penalties may apply. Fees may reduce the earnings on the accounts. Rates are subject to change without notice prior to the issuance of the certificate.

Minimum of $500 is needed to open a certificate of deposit (CD), with the exceptions of a minimum of $100 for an add-on CD and $100,000 for a jumbo CD.

July 16, 2026