Certificate of Deposit
Whether you’re saving for a future goal or looking for a secure way to grow your money, a Certificate of Deposit (CD) from Honor can help. With competitive rates and flexible terms, it’s an easy way to earn more from your savings.
*APY = Annual Percentage Yield. APY is accurate as of 3/18/26. 8-MONTH CD SPECIAL. Not applicable for Public Funds. To receive the above stated 8-month CD Special at 3.94% APY, a minimum opening balance of $1,000 is required. CD is not eligible for rate protector benefit, a one-time rate bump over the course of the term. Early withdrawal penalty for 8-month CD special term is 90 days of interest. Fees could reduce earnings. The 8-month CD Special will renew at the standard 9-month CD terms upon maturity.
Account Types
8-Month Certificate of Deposit (CD) Special
Allows you to save more with rates higher than our standard certificates.
- Higher rates, meaning your savings will grow faster
- Predictable growth with no guesswork
- Start with just $1,000
- Quick returns and gains in a short 8-months
Standard Certificate of Deposit
Gives you a powerful way to grow your savings with guaranteed returns and flexible terms from 3 to 60 months, all with a low opening deposit.
- Start with as little as $50
- Lock in a fixed rate for a full term
- Choose the a term that fits your needs, anywhere from 3 to 60 months
- Earn more than a traditional savings account with competitive fixed rates
- If rates increase, protect your earnings with Rate Protector
12 Month Add-On Certificate of Deposit
Grow your savings with flexibility. Our 12-month Add-On Certificate of Deposit lets you make additional deposits through your 12-month term, helping you save and earn more over time.
- Add funds anytime during the 12 month term
- Enjoy a fixed yet competitive rate for accelerated growth
- Start with as little as $50
Jumbo Certificate of Deposit
Have a larger balance you want to put to work? Our Jumbo CD is designed for serious savers looking to maximize returns with higher deposit amounts.
- Earn premium rates on your larger balances
- Minimum opening deposit of $100,000
- Flexible terms from 12 to 60 months to match your long term goals
What Is a CD? (Certificate of Deposit) Explained
Benefits of a CD
- A secure deposit. Deposited money must stay in the credit union for a specified length of time to earn a promised return.
- Flexible. You can pick the term to fit your needs, whether it's three months or as long as 60 months.
- Versatile. A certificate of deposit can be used to save for a future goal, like a home project, vacation, college tuition, and much more!
- Insured. The National Credit Union Association (NCUA) insures CDs up to $250,000.
What are the advantages?
- Open a CD with as little as $50!
- Interest rates vary depending on the term and the amount deposited.
- Rates are locked in for the length of the term of the certificate.
- Most CDs earn higher interest rates than regular savings accounts and money market accounts.
- The simple process of opening a certificate of deposit means you don't have to constantly monitor or take action on it.
Have Questions?
Certificate of Deposit Rates
We offer competitive rates on certificates of deposit because we want you to get the most out of the money you’re depositing with us!
Rate Protector, IRA, Roth IRA, HSA, Coverdell Education Certificate Rates
Minimum opening deposit for all Certificates is $50.00 unless otherwise noted below.
| Term | Interest Rate | APY* |
|---|---|---|
| 3 months 1 | 0.499% | 0.500% |
| 6 months 1 | 1.243% | 1.250% |
| 8-month special2 | 3.873% | 3.94% |
| 9 months1 | 1.243% | 1.250% |
| 12 months1 | 1.490% | 1.500% |
| 18 months1 | 1.490% | 1.500% |
| 24 months1 | 1.588% | 1.600% |
| 30 months1 | 1.588% | 1.600% |
| 36 months1 | 1.933% | 1.950% |
| 48 months1 | 2.031% | 2.050% |
| 60 months1 | 2.129% | 2.150% |
| 12 month add-on3 | 1.490% | 1.500% |
| 12 month add-on HSA4 | 1.490% | 1.500% |
| Rates accurate as of Aug 18, 2026 |
All youth under the age of 18 will receive an additional 0.25% APY to the stated rates unless otherwise noted. A penalty fee may be imposed if you withdrawal funds prior to the maturity date. Insured by NCUA.
*APY= Annual Percentage Yield.
1 Rate Protector allows a one time rate adjustment for 3-36 month term CDs and a two time rate adjustment for 37-60 month term CDs with no penalties or fees.
2 8-MONTH CD SPECIAL. Not applicable for Public Funds. To receive the above stated 8-month CD Special at 3.94% APY, a minimum opening balance of $1,000 is required. CD is not eligible for rate protector benefit, a one-time rate bump over the course of the term. Early withdrawal penalty for 8-month CD special term is 90 days of interest. Fees could reduce earnings. The 8-month CD Special will renew at the standard 9-month CD terms upon maturity.
3 12 month add-on not eligible for additional 0.25% APY youth rate bump or rate protector adjustment. 12-month add-on CD not eligible for IRA CD’s. HSA CD only available on the 12-month add-on CD rate and term. Contact a member service representative to open an HSA CD.
4 Health Savings Accounts (HSA) may be subject to limitations and/or penalties imposed by the Internal Revenue Service. It is your responsibility to ensure the contributions, distributions, and other actions
related to your HSA, comply with the law, including federal tax law. Please see your HSA agreement or your tax advisor for additional information. Insured by NCUA.
Jumbo Certificate Rates
Minimum opening deposit for Jumbo CDs is $100,000.00.
| Term | Interest Rate | APY* |
|---|---|---|
| Jumbo 12 months3 | 1.736% | 1.750% |
| Jumbo 24 months3 | 1.834% | 1.850% |
| Jumbo 36 months3 | 2.178% | 2.200% |
| Jumbo 48 months3 | 2.276% | 2.300% |
| Jumbo 60 months3 | 2.374% | 2.400% |
| Rates accurate as of Aug 18, 2026 |
All youth under the age of 18 will receive an additional 0.25% APY to the stated rates unless otherwise noted. A penalty fee may be imposed if you withdrawal funds prior to the maturity date. Insured by NCUA.
*APY= Annual Percentage Yield.
**Jumbo CD not available for Coverdell Education Savings Accounts.
Certificate of Deposit Resources
CD Interest Calculator
Click the button below to use calculator to help you determine how much interest you could earn with each certificate of deposit and which one would best help you reach your savings goal.
Protect Your Rate
Are you concerned about committing to one of our current rates? With Rate Protector, you can choose one time during the term of your certificate of deposit to bump your rate, if interest rates go up!
Other High Yield Savings Options
Money Markets
Money Markets allow you to earn high rates of interest while having the flexibility to withdrawal and deposit money as you need.
Benefits Checking
With Honor’s high yield Benefits Checking account you’ll earn a high rate of interest on your average daily balance every month.