On a 7-month certificate
On a 13-month certificate
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 interest at a higher rate.
- 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. Your investment is safe and earning the entire time.Read more »
|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|
Stay rate-savvy with your savings. If you discover that CD rates have increased 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. And when you do so, you’ll have the option of making an additional deposit.***
*The regular certificate account and jumbo certificate account annual percentage yields (APY) & rates are current as of 12/06/2022. 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.
**Promotion is for a 7-month CD with an APY of 2.55% or a 13-month CD with an APY of 3.95%. Annual percentage yield (APY) accurate as of 12/06/2022. Minimum balance of $500 to open certificate and obtain APY. Fees may reduce earnings. Early withdrawal penalty may apply. Federally insured by NCUA. Offer may end at any time, contact OCCU for more details. Promotion available by phone or in-branch only. IRA CDs are not eligible with this promotion.
***Bump-up certificates allow you to increase your rate and add an additional deposit, up to the original principal balance, once per term.