A couple walking down the beach with waves in the background.

VARIABLE RATE CDs

Stay ahead of the curve with two chances to bump your rate.

Open an Account

Great Dividends, Now and Later

$1,000 opening balance

36 or 60 month term

Rate may adjust twice during term¹

Opening rate or higher guaranteed²

No Need to Time the Market

When it comes to saving and investing, your best asset is time. If you’re thinking about opening a CD but hesitating in case rates go up, a Variable Rate CD may be for you. You can confidently invest and get your money working for you today, knowing that if rates do rise, you’ll have two opportunities to catch the wave.

How Does It Work?

After your CD is opened, the rate may adjust twice¹ during the term:

36-month term: adjusts at 12 and 24 months
60-month term: adjusts at 20 and 40 months

At these times, the rate adjusts to the current rate for the most similar fixed-rate term, minus a small percentage.

Opening Rate or Higher Guaranteed²

The rate may increase or decrease in these adjustments, but it will never be lower than the rate earned when the CD was opened. You can be confident that your CD will earn the opening rate or higher throughout the term.

Great Choice For:

Taking advantage of rising CD rates
Protecting against missed opportunities as rates fluctuate
Hesitant savers waiting for the perfect moment to invest

Financial Wellness Resources

Savings Accounts, General Information

Start Early with a Junior Savings Account

Starting good savings habits early in life sets the stage for success.

About, Checking Accounts, Savings Accounts, General Information

Teaching the Save, Spend, and Share Money Method

Start early! As young as the ages of four and five, you can start practices that lay the foundation for a future of good habits.

About, Accounts, RatesCategories, General Information, Member Eligibility, CDs

How Credit Unions Save You Money

Membership has its privileges - especially Credit Union memberships. Learn more about the benefits that Credit Unions provide.

Disclosures:

1- APY=Annual Percentage Yield. Assumes principal and interest remain on deposit for the entire term. Penalties apply for early withdrawal or closure of CD. Withdrawals and any associated penalties or fees may reduce earnings on the account. Interest is paid and compounded monthly based on the daily balance method. Minimum deposit of $1,000, or $500 for qualifying members age 21 and younger. 36-month term: adjusts at 12 and 24 months. 60-month term: adjusts at 20 and 40 months. At these times, the rate adjusts to the current rate for the most similar fixed-rate term, minus a small percentage.

2- The rate may increase or decrease in these adjustments, but it will never be lower than the rate earned when the CD was opened. Rates subject to change without notice. Other rates and terms available.