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Certificate/IRA & HSA Certificate Accounts
Regular Certificates offer competitive fixed rates with flexible terms, making them a great choice for steady, secure growth.
- Rates guaranteed for the term of your certificate
- Minimum deposit of $250
- Variety of maturity dates available from 91 days to 5 years
- Dividends compound daily and post monthly
NOTE: IRA Certificate Options (Offering Traditional, Roth, Simplified Employee Pension and Education IRAs) may be opened in person at one of our branches or by calling 877. ASK.CCCU.
| Term | Minimum | Rate | APY* |
|---|---|---|---|
| 91 Day^ | $250.00 | 0.50% | 0.50% |
| 6 Months | $250.00 | 0.65% | 0.65% |
| 9 Months | $250.00 | 4.16% | 4.25% |
| 1 Year | $250.00 | 0.90% | 0.90% |
| 17 Months | $250.00 | 3.93% | 4.00% |
| 18 Months | $250.00 | 0.99% | 0.99% |
| 2 Years | $250.00 | 1.00% | 1.00% |
| 30 Months | $250.00 | 1.19% | 1.19% |
| 3 Years | $250.00 | 1.29% | 1.30% |
| 4 Years | $250.00 | 1.34% | 1.35% |
| 5 Years | $250.00 | 1.49% | 1.50% |
*APY = Annual Percentage Yield. APY is subject to change without notice. Dividends compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
^91 Day not available as an IRA or HSA Certificate.
Promotional term certificates are valid for a limited time only. At maturity, the promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth-In-Savings Disclosure for full details.
Let us help you open your new IRA Certificate. Please call us at 877.ASK.CCCU (877.275.2228) or visit a branch for assistance.
Jumbo/Jumbo IRA & HSA Certificate Accounts
Have more to invest? Maximize your savings with a Jumbo Certificate. With higher deposit minimums, you get higher returns—guaranteed.
- Rates guaranteed for the term of your certificate
- Minimum deposit of $100,000
- Variety of maturity dates available from 91 days to 5 years
- Dividends compound daily and post monthly
NOTE: IRA Certificate Options (Offering Traditional, Roth, Simplified Employee Pension and Education IRAs) may be opened in person at one of our branches or by calling 877. ASK.CCCU.
| Term | Minimum | Rate | APY* |
|---|---|---|---|
| 91 Day^ | $250.00 | 0.50% | 0.50% |
| 6 Months | $250.00 | 0.65% | 0.65% |
| 9 Months | $100,000.00 | 4.16% | 4.25% |
| 1 Year | $100,000.00 | 1.00% | 1.00% |
| 17 Months | $100,000.00 | 3.97% | 4.05% |
| 18 Months | $100,000.00 | 1.09% | 1.09% |
| 2 Years | $100,000.00 | 1.10% | 1.10% |
| 30 Months | $100,000.00 | 1.29% | 1.29% |
| 3 Years | $100,000.00 | 1.39% | 1.40% |
| 4 Years | $100,000.00 | 1.44% | 1.45% |
| 5 Years | $100,000.00 | 1.59% | 1.60% |
*APY = Annual Percentage Yield. APY is subject to change without notice. Dividends compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
^91 Day not available as an IRA or HSA Certificate.
Promotional term certificates are valid for a limited time only. At maturity, the promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth-In-Savings Disclosure for full details.
Let us help you open your new IRA Certificate. Please call us at 877.ASK.CCCU (877.275.2228) or visit a branch for assistance.
Super Jumbo/Super Jumbo IRA & HSA Certificate Accounts
Have more to invest? Maximize your savings with a Super Jumbo Certificate. With higher deposit minimums, you get higher returns—guaranteed.
- Rates guaranteed for the term of your certificate
- Minimum deposit of $250,000
- Variety of maturity dates available from 91 days to 5 years
- Dividends compound daily and post monthly
NOTE: IRA Certificate Options (Offering Traditional, Roth, Simplified Employee Pension and Education IRAs) may be opened in person at one of our branches or by calling 877. ASK.CCCU.
| Term | Minimum | Rate | APY* |
|---|---|---|---|
| 6 Months | $250.00 | 0.65% | 0.65% |
| 9 Months | $250,000.00 | 4.16% | 4.25% |
| 1 year | $250,000.00 | 1.10% | 1.10% |
| 18 Months | $250,000.00 | 1.19% | 1.19% |
| 2 Years | $250,000.00 | 1.20% | 1.20% |
| 30 Months | $250,000.00 | 1.38% | 1.39% |
| 3 Years | $250,000.00 | 1.49% | 1.50% |
| 4 Years | $250,000.00 | 1.54% | 1.55% |
| 5 Years | $250,000.00 | 1.69% | 1.70% |
| 17 Months | $250,000.00 | 4.02% | 4.10% |
*APY = Annual Percentage Yield. APY is subject to change without notice. Dividends compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Promotional term certificates are valid for a limited time only. At maturity, the promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth-In-Savings Disclosure for full details.
Let us help you open your new IRA Certificate. Please call us at 877.ASK.CCCU (877.275.2228) or visit a branch for assistance.
Related OpportunitiesRewards Checking + Visa Credit Card
Open a CCU Rewards Checking account and manage your money, your card, and your rewards—all with one login.
Health Savings Account (HSA)
This account provides competitive monthly dividends along with no account fees. To contribute you must be enrolled in an eligible High-Deductible Health Plan.
Bank anytime, anywhere.
Download the CCU mobile app for fast, secure access to your accounts, easy transfers, mobile check deposits and more.
