Certificate of Deposit Rates

All rates are Annual Percentage Yield (APY). APY is based on an assumption that interest will remain in the account until maturity. Minimum to open is $500. Rates accurate as of September 12, 2026. Upon maturity, the rate for all tiers will default to the current standard rate as published in the rate schedule. Withdrawals and fees may reduce earnings. Early Withdrawal Penalty for fixed term certificates (CDs) and IRAs: Loss of 30 days interest for CDs with a term of 6 months or less; loss of 90 days interest for CDs with a term greater than 6 months or equal to 12 months; loss of 180 days interest for CDs with a term greater than 12 months.

Promotional offer is available for new money only. “New money” means funds not currently held on deposit at Credit Union ONE. Transfers from existing Credit Union ONE accounts do not qualify. Minimum $1,000 opening deposit on promotional CD. Upon maturity and expiration of seven-day grace period the promotional CD will roll over into a six (6)-month CD and the rate will default to the six (6)-month standard rate as published in the rate schedule at that time. Withdrawals and fees may reduce earnings. Promotional offer terms and rates are subject to change at any time.