Personal certificate accounts

Fund the future with a CD

Being a member of OCCU has its perks, like earning higher interest on your money. If you’re saving to fund your next dream, consider setting aside your extra cash in an OCCU CD. You’ll earn more interest than with a standard savings or money market account. So, dream big – we’ll help you get there.

Types of certificate accounts

OCCU’s certificate options were designed around your needs and future goals. Regular certificate accounts require at least $500 to get started and jumbo certificates are available for those with at least $100,000 to invest.

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What are you saving for?

Helping you reach your goals is pretty much our favorite thing. Send us a message below and we will help you get started.

Lock in a higher rate

With a CD, you can save for your next big dream and earn more interest than a standard savings or money market account.

  • You’ll earn high interest rates.
  • Your deposit is insured by the NCUA.
  • There’s no risk to the principal deposit as long as the certificate reaches maturity.

Dream big – we’ll help you get there

Growing your savings to meet your financial goals can be safe and simple. Placing your money in a CD is a secured investment with guaranteed interest, if you leave the funds in for the full term. With a CD, you never need to worry about the market going up or down as your investment is safe and earning the entire time.

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Pick your term certificates

Planning a big trip to Europe next summer? Customize a CD savings plan that earns higher interest on your schedule. Pick your goal, pick your term and get the cash when you need it. Choose from any term that works for you, between 12 and 60 months. Earn higher yields right up until to your vacation or whatever goal you’re saving for!

If the term is between The rate will be
12–17 months 12 month CD rate
18–23 months 18 month CD rate
24–35 months 24 month CD rate
36–47 months 36 month CD rate
48–59 months 48 month CD rate
60 months 60 month CD rate

Bump up your certificate rates

Stay rate-savvy with your savings. Notice that CD rates are higher six months after opening your 24-month or 48-month certificate? You can take advantage of those higher rates. Just let us know that you’d like to increase your rate. Plus, when you increase your rate, you’ll be able to make an additional deposit.**

View the certificate accounts rate and fee schedule »

*The regular certificate account and jumbo certificate account annual percentage yields (APY) & rates are current as of 5/26/2021. There is a minimum balance requirement of $500 to open the regular certificate account and earn the APY. There is a minimum balance requirement of $100,000 to open the jumbo certificate account and earn the APY. Early withdrawal penalties may apply. Fees could reduce earnings.
***Bump-up certificates allow you to increase your rate and add an additional deposit, up to the original principal balance, once per term.