These accounts are more liquid, so if you feel you may need access to your money sooner, consider a savings or money market account rather than a CD. Many of the banks and credit unions in our best CD rates rankings above also offer high-yield savings accounts and/or money market accounts with competitive rates. At the end of your certificate’s term, withdraw your money plus the dividends you’ve earned, or roll over your earnings into a new certificate.Ranked by highest APY, then shortest term, then lowest minimumįor more options, see our in-depth 3-month CD rankingsįor more options, see our in-depth 6-month CD rankingsįor more options, see our in-depth 1-year CD rankingsįor more options, see our in-depth 18-month CD rankingsįor more options, see our in-depth 2-year CD rankingsįor more options, see our in-depth 3-year CD rankingsįor more options, see our in-depth 4-year CD rankingsįor more options, see our in-depth 5-year CD rankingsĭepartment of Commerce Federal Credit Unionįor more options, see our in-depth 10-year CD rankings.Collect dividends that are compounded and credited monthly.Deposit a minimum of $500 with a guaranteed Annual Percentage Yield*.Your money is safe and sound while the dividends compound every month. A Share Insurance Estimator for multiple and/or joint accounts is provided by NCUA at.

Your funds are insured for $250,000 on individual accounts by the federal government.

18-Month Share Certificate at 4.45% APY*Īs always, these rates are guaranteed for the term of the deposit.

15-Month Share Certificate at 5.10% APY*.

12-Month Share Certificate at 5.15% APY*.

In return, we give you a higher dividend rate than you could get in a regular savings account.įor a limited time, grow your savings with one of our promotional certificate rates:

Similar to a CD, a certificate is like a promise: You promise to set aside a fixed amount of cash (at least $500) for a set period of time, from six months to five years.

Union bank cd interest rates