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Certificate of Deposit

Give Your Savings a
Fixed Return

Choose your term, lock in your rate, and let your savings grow with a little more certainty.

OPEN A CERTIFICATE/CD
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Featured Offer

Up to4.26%APY

Boost Your Savings With Up to 4.26% APY

Open a CD Special for 15 months with $5,000 or more. Money new to CCCU earns 4.26% APY, and money already here earns 4.05% APY.

OPEN A CERTIFICATE

Leave It. Let It Grow.

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Fixed Rate

Keep the same rate for the full Certificate term you choose.

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Multiple Term Options

Choose a timeline that works for the savings goal you have.

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No Monthly Fees

Grow your balance without monthly or service fees taking from it.

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Extra Protection

Your Certificate has up to $500,000 in combined NCUA and ESI coverage.

CHECK CURRENT RATES

Two Ways to Start Saving

Certificate/CD
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Certificate/CD

Open with $1,000 and choose from available terms between six and 60 months.

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Youth Certificate/CD
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Youth Certificate/CD

Open with $100 for a member age 17 or younger.

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Run the Numbers Before You Lock It In

Enter your opening balance, rate, and selected term to estimate how much interest your Certificate could earn.

CALCULATE CD RETURNS
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Need Your Money Sooner?

Consider a savings or money market account for money you expect to use before a Certificate reaches the end of its term.

EXPLORE SAVINGS ACCOUNTS

Certificate of Deposit FAQs

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Ready to Choose Your Term?

Open a Certificate online, or call CCCU at (800) 223-2801 to choose a term that fits what you’re saving for.

OPEN A CERTIFICATE/CD FIND A BRANCH

CD Specials
APY = Annual Percentage Yield. Rates effective as of 9/29/2026 and subject to change without notice. Minimum purchase amount is $5,000. 9-month CD for 4.06% APY and 15-month CD for 4.06% APY include a rate boost of 0.20% and are available on certificates with an original balance not included in current CCCU member's 3 month average daily balance. CDs also available for existing CCCU account balances at reduced APY (9-month CD for 3.85% APY, 15-month CD for 3.85% APY). 9-month CD will automatically renew into a 12-month term and 15-month CD will automatically renew into a 24-month term at maturity unless otherwise directed by member. IRA certificates are also available. A penalty for early withdrawal may apply and may reduce earnings. Ask a CCCU representative for complete details.