Certificate of Deposit Calculator
Help determine how much interest you could earn with a certificate of deposit (CD). Whether you are saving for the years to come, or just a few months, this calculator can help you reach your savings goals.
Information and interactive calculators are available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Certificate Rates
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 Jul 01, 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.
Your Next Steps
Open A Certificate
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We understand you might still have questions about our certificates of deposits. Click the button below for more info.
Consider a Money Market
If you already have a CD, but want to maintain access to your funds in a yield yield savings account, consider a money market.