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.open now
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.Read more »
|If the term is between||The rate will be|
|6–11 months||6 month CD rate**|
|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|
*The regular certificate account and jumbo certificate account annual percentage yields (APY) & rates are current as of 11/1/2019. 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.
**15-month special currently available. If selecting a 15-month term you will receive the advertised annual percentage yield of 2.05% APY for 15-month regular certificates.
***Bump-up certificates allow you to increase your rate and add an additional deposit, up to the original principal balance, once per term.