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
Want to earn even more?
Earn additional interest on a 12-month CD** by opening a SECU TotalTM Checking & Rewards account, which offers cash back*** and bonus credit card rewards**** on points-eligible cards.
All certificate of deposit (CD) rates
Browse all CDs, terms, and rates to discover which is best for you.
Rates current as of: December 5, 2025
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3 months | Open now |
2.00%APY* |
1.99%Rate |
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6 months | Open now |
4.00%APY* |
3.94%Rate |
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9 months | Open now |
3.70%APY* |
3.65%Rate |
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11 months | Open now |
4.00%APY* |
3.94%Rate |
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1 year | Open now |
3.55%APY* |
3.50%Rate |
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12 Month Gold | Set appointment to open |
3.70%APY* |
3.65%Rate |
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12 Month Platinum | Set appointment to open |
3.80%APY* |
3.75%Rate |
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1-year Add-On | Open now |
2.85%APY* |
2.82%Rate |
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1-year Jumbo | Set appointment to open |
3.65%APY* |
3.60%Rate |
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13 Month | Open now |
3.55%APY* |
3.50%Rate |
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18 months | Open now |
3.30%APY* |
3.26%Rate |
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2 years | Open now |
3.30%APY* |
3.26%Rate |
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2-year Jumbo | Set appointment to open |
3.30%APY* |
3.26%Rate |
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30 months | Open now |
3.10%APY* |
3.06%Rate |
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3 years | Open now |
3.30%APY* |
3.26%Rate |
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4 years | Open now |
1.75%APY* |
1.74%Rate |
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5 years | Open now |
1.80%APY* |
1.79%Rate |
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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
*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 TotalTM 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.
