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Plus, let your savings soar with a special .50% APY** bump on 6-60 month regular and jumbo certificates after you get Choice Checking. Open with as little as $500 for regular or $100,000 for jumbo (new money only). Within 90 days of opening your Choice Checking, visit us to request your rate bump!
Both share certificates and CDs are low-risk savings accounts that can help you grow your balance over time. The key difference is who offers them and how earnings are paid.
CDs are typically offered by traditional banks. You agree to leave your money untouched for a set term in exchange for a fixed interest rate. They’re secure, but often come with penalties for early withdrawals and offer less competitive rates.
Share certificates are the credit union equivalent with a member-first advantage. Because credit unions are not-for-profit, we offer higher dividend rates, lower fees, and more flexible terms. This means you can maximize your earnings by choosing a share certificate!
**Rate stated as Annual Percentage Yield (APY), effective January 1, 2026 and is subject to change. Minimum $25 to open. Minimum balance of $.01 to earn APY. Portion of balance over $20,000 earns .25% APY. ATM fees (up to a maximum of $25 per cycle) will be refunded if account requirements are met. If the account requirements are not met, the APY will be .10% and ATM fees will not be refunded. Limited to two accounts per primary member. Business Accounts are not eligible. Fees may reduce earnings. Choice Checking cycle is from the 25th of month to the day before the last day of the following month. Must qualify for 90 days to earn $200 bonus.
**New money only, available 90 days after opening Choice Checking.