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Certificates

Earn more
with high-yield certificates.

Lock in a great rate and watch your savings grow.

9-Month Term

4.25%
Super-Jumbo 9-Month Certificate - Minimum $250,000 investment
4.25%
Jumbo 9-Month Certificate - Minimum $100,000 investment
4.25%
Regular 9-Month Certificate - Minimum $250 investment

17-Month Term

4.10%
Super-Jumbo 17-Month Certificate - Minimum $250,000 investment
4.05%
Jumbo 17-Month Certificate - Minimum $100,000 investment
4.00%
Regular 17-Month Certificate - Minimum $250 investment
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Higher Returns

Certificates offer better return rates than standard savings accounts, especially over longer terms. 
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Guaranteed Returns

Earn a fixed interest rate over your Certificate term. Growth is predictable, secure, and guaranteed.
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Safe, Secure Investment

Your principal is insured up to $250,000 (through NCUA), making certificates an easy, low-risk investment option.

Regular Certificates

Regular Certificates offer competitive fixed rates with flexible terms, making them a great choice for steady, secure growth.
  • Rates guaranteed for the term of your certificate
  • Minimum deposit of $250
  • Variety of maturity dates available from 91 days to 5 years
  • Dividends compound daily and post monthly
Term Minimum Rate APY*
91 Day $250.00 0.50% 0.50%
6 Months $250.00 0.65% 0.65%
9 Months $250.00 4.16% 4.25%
1 Year $250.00 0.90% 0.90%
17 Months $250.00 3.93% 4.00%
18 Months $250.00 0.99% 0.99%
2 Years $250.00 1.00% 1.00%
30 Months $250.00 1.19% 1.19%
3 Years $250.00 1.29% 1.30%
4 Years $250.00 1.34% 1.35%
5 Years $250.00 1.49% 1.50%
Rates effective June 22, 2025

Truth in Savings Disclosure

*APY = Annual Percentage Yield. APY is subject to change without notice. Dividends compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Promotional term certificates are valid for a limited time only. At maturity, the promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth-In-Savings Disclosure for full details.

Let us help you open your new IRA Certificate. Please call us at 877.ASK.CCCU (877.275.2228) or visit a branch for assistance.

Jumbo Certificates

Have more to invest? Maximize your savings with a Jumbo Certificate. With higher deposit minimums, you get higher returns—guaranteed. 
  • Rates guaranteed for the term of your certificate
  • Minimum deposit of $100,000
  • Variety of maturity dates available from 91 days to 5 years
  • Dividends compound daily and post monthly
Term Minimum Rate APY*
91 Day $250.00 0.50% 0.50%
6 Months $250.00 0.65% 0.65%
9 Months $100000.00 4.16% 4.25%
1 Year $100000.00 1.00% 1.00%
17 Months $100000.00 3.97% 4.05%
18 Months $100000.00 1.09% 1.09%
2 Years $100000.00 1.10% 1.10%
30 Months $100000.00 1.29% 1.29%
3 Years $100000.00 1.39% 1.40%
4 Years $100000.00 1.44% 1.45%
5 Years $100000.00 1.59% 1.60%
Rates effective June 22, 2025

*APY = Annual Percentage Yield. APY is subject to change without notice. Dividends compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Promotional term certificates are valid for a limited time only. At maturity, the promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth-In-Savings Disclosure for full details.

Let us help you open your new IRA Certificate. Please call us at 877.ASK.CCCU (877.275.2228) or visit a branch for assistance.

IRA Certificates

Combine the power of tax-advantaged retirement savings with the security of a fixed-rate investment.
  • Offering Traditional, Roth, Simplified Employee Pension and Education IRAs
  • Variety of maturity dates available
  • Dividends compound daily and post monthly
Term Minimum Rate APY*
91 Day $250.00 0.50% 0.50%
6 Months $250.00 0.65% 0.65%
9 Months $250.00 4.16% 4.25%
1 Year $250.00 0.90% 0.90%
17 Months $250.00 3.93% 4.00%
18 Months $250.00 0.99% 0.99%
2 Years $250.00 1.00% 1.00%
30 Months $250.00 1.19% 1.19%
3 Years $250.00 1.29% 1.30%
4 Years $250.00 1.34% 1.35%
5 Years $250.00 1.49% 1.50%
Rates effective June 22, 2025

*APY = Annual Percentage Yield. APY is subject to change without notice. Dividends compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Promotional term certificates are valid for a limited time only. At maturity, the promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth-In-Savings Disclosure for full details.

Let us help you open your new IRA Certificate. Please call us at 877.ASK.CCCU (877.275.2228) or visit a branch for assistance.

Related Opportunities
Consolidate your banking with Checking and Savings.

Rewards Checking + Visa Credit Card

Open a CCU Rewards Checking account and manage your money, your card, and your rewards—all with one login.

Health Savings Account (HSA)

This account provides competitive monthly dividends along with no account fees. To contribute you must be enrolled in an eligible High-Deductible Health Plan.

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