Open a certificate today to advance your savings plan.
Community Resource FCU share certificates (commonly referred to as a Share Certificate of Deposit or similar to a bank CD) offer a fixed rate of return with a higher dividend rate than a savings account.
Turn your money into more of your money — with our certificate specials.
Ready to open a Certificate Special? Click to call or visit your local CRFCU branch.
|6 Month Certificate||60 Month Certificate|
|What makes it special?||It’s simple — earn an above average rate on your savings||Your rate will double halfway through its term.|
|APY*||0.40% APY*||2.00%. APY*|
With terms of 6 months to 5 years, use a certificate as a savings tool for retirement, education expenses or a home purchase. Or, use the dividends (paid out monthly for terms of at least 1 year) for additional income. Deposits are federally insured up to $250,000 by the National Credit Union Administration.
Tip! Save more with a certificate laddering strategy.
Use a certificate laddering strategy to take advantage of higher rates without tying up all of your investment long-term.
Example: If you have $30,000 to invest, put $10,000 into a 1-, 2-, and 3- year certificate. As the 1-year certificate comes due, you are able to access those funds if needed, or keep the ladder going by renewing it for a 3-year certificate at a higher rate. From that point, a certificate will renew every year, giving you the option of using those funds or renewing for a 3-year term.