Certificates of Deposit (CDs)

A successful savings plan is all about options and we've got you covered. Open a Flex Rate CD or a Fixed Rate CD to get guaranteed returns.

Rates On The Rise

Certificates of Deposit offer a safe investment option with guaranteed returns. With rates on the rise there is no better time to jump start your savings. Click the product to open online or schedule an appointment at your local branch.

Flex Rate CD
Fixed Rate CD

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Earn up to 5.13% APY Flex Rate CD

Minimum $500 to open
Rate that changes with the market

Rates subject to change at any time without notice unless otherwise noted. Offers may be withdrawn at any time. Subject to membership eligibility. Workers Federal Credit Union membership required; minimum balance to open membership account is $5, unless otherwise noted. Minimum balance to open and earn on a CD is $500 and $1,000 to open and earn on an IRA Certificate. Featured APY is based on a 36-month term. Please refer to your CD account disclosure for more information. Annual Percentage Yield (APY) and rates are effective as of .

APY assumes interest remains on deposit, any withdrawal will reduce earnings. Early withdrawal penalties may apply. Other fees may reduce earnings. See our fee schedule for specifics. For terms less than 12 months simple interest will be paid at maturity. For terms 12 months or more dividends are compounded daily and paid monthly.

Maximize your potential earnings with a variable rate Flex CD account. With 12, 24, and 36 month term options you can take advantage of rising rates for whatever term fits your needs.

CD Term	Calculation	Dividend Rate: $500 or more	APY: $500 or more
6 Month	Fed Rate Minus 0.50%	4.25%	4.25%
12 Month - Open Now	Fed Rate Minus 0.25%	4.50%	4.60%
24 Month - Open Now	Fed Funds Base Rate	4.75%	4.86%
36 Month - Open Now	Fed Rate Plus 0.25%	5.00%	5.13%

Flex Rate CD rate is based on the Federal Reserve Bank’s Federal Funds Target Rate (FFTR). When the Fed Funds rate changes, the credit union will make the new rate effective on your account within or on the second business day after the announcement. The dividend rate is the FFTR and plus/minus percentage (basis points) determined by the term of the account. Refer to the credit union’s official rate sheet for specific dividend rate information. This account will automatically renew at maturity unless we receive written notice from you within the grace period mentioned below. (Note: Upon the automatic renewal of your Flex Rate CD, your account will automatically renew into a regular term account at the same term as your Flex CD; however, if that term is not available in the regular term account, your Flex CD will renew to next longest term offered.) You can prevent renewal if you give notice to us at least 30 calendar days before maturity. See account terms for additional information.

A CD account with a fixed rate is low risk and gives you the earnings you can count on. Short term or long term, keep your money working for you.

CD Term	Dividend Rate Tier 1: $500–$24,999.99	APY Tier 1: $500–$24,999.99	Dividend Rate Tier 2: $25,000 or more	APY Tier 2: $25,000 or more
3-Month - Open Now	2.75%	2.75%	2.75%	2.75%
6-Month - Open Now	3.75%	3.75%	3.75%	3.75%
12-Month - Open Now	4.16%	4.25%	4.16%	4.25%
18-Month - Open Now	2.00%	2.02%	2.25%	2.27%
24-Month - Open Now	2.25%	2.27%	2.50%	2.53%
36-Month - Open Now	2.50%	2.53%	2.75%	2.78%
48-Month - Open Now	2.60%	2.63%	2.80%	2.84%
60-Month - Open Now	2.70%	2.74%	2.90%	2.94%

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Certificates of Deposit (CDs)

Rates On The Rise

Earn up to 5.13% APY Flex Rate CD

Flex Rate CD (Variable Rate)