Choose the CD that’s right for you
Short-term CD
Rate: 3.80% - 3.90% APY1
Best for: Reaching your short-term savings goals sooner
Terms: 3-5 months, 6-11 months
Good to know:
- Lock in a great rate
- Access your money sooner with a short term
- Choose the term that fits your savings goals
Minimum deposit: $500
Flex CD
Rate: 2.83% - 2.86% APY1
Best for: The stability of a CD with the flexibility to save on your terms
Terms: 24-36 months
Good to know:
- Bump your rate once if rates go up2
- Make a one-time withdrawal of up to 50% of your balance3
- Make a one-time deposit of $1,000+ in the first 12 months4
Minimum deposit: $1,000
Long-term CD
Rate: 2.93% - 3.61% APY1
Best for: Peace of mind if the market goes down with a locked-in, long-term rate
Terms: 12-84 months
Good to know:
- Save with a guaranteed rate that won’t sweat if the market dips
- Choose the term that fits your long-term savings goals
- Rest easy without the hassles of playing the market
Minimum deposit: $500
Open your CD and get growing now
Stop by a nearby service center
Not a member yet? Visiting a center is the easiest way to open your CD.
Open online, from anywhere
Log into online banking and follow the steps to open your CD online.
Current CD rates
| Product | Dividend Rate | APY** |
|---|---|---|
| 5 Month Special Certificate | 4.17% | 4.25% |
| 3-5 Month Certificates | 3.83% | 3.90% |
| 6-11 Month Certificates | 3.74% | 3.80% |
| 12 Month Certificate | 3.55% | 3.61% |
| 24-29 Month Flex Certificates | 2.82% | 2.86% |
| 30-35 Month Flex Certificates | 2.80% | 2.84% |
| Product | Dividend Rate | APY** |
|---|---|---|
| 3-5 Month Certificates | 3.83% | 3.90% |
| 6-11 Month Certificates | 3.74% | 3.80% |
| 12 Month Certificate | 3.55% | 3.61% |
| 13-17 Month Certificates | 3.55% | 3.61% |
| 18-23 Month Certificates | 2.99% | 3.03% |
| 24-29 Month Certificates | 2.92% | 2.96% |
| 30-35 Month Certificates | 2.90% | 2.94% |
| 36-41 Month Certificates | 2.89% | 2.93% |
| 42-47 Month Certificates | 2.92% | 2.96% |
| 48-53 Month Certificates | 2.95% | 2.99% |
| 54-59 Month Certificates | 2.97% | 3.01% |
| 60 Month Certificate | 2.99% | 3.03% |
| 84 Month Certificate | 3.26% | 3.31% |
| 24-29 Month Flex Certificates | 2.82% | 2.86% |
| 30-35 Month Flex Certificates | 2.80% | 2.84% |
| 36 Month Flex Certificate | 2.79% | 2.83% |
| My Savings Starter Certificate | 1.93% | 1.92% |
| My Savings Builder Certificate | 4.70% | 4.80% |
| Youth Certificate ** | 3.75% | 3.81% |
Look forward to your future growth
Get a preview of the interest your CD will earn. The “Annual Percentage Yield” (APY) is the annual rate of return after factoring in your compounding interest.
Results from this calculator are hypothetical and are for illustrative purposes only. Calculators should be used as a self-help tool only and do not consider the impact of fees that may apply. Results may not be applicable to your individual situation and do not constitute an offer. We encourage you to seek advice and guidance from a qualified professional regarding all personal finance issues. Actual terms may differ.
The calculator utilizes an average of 30.42 days per month in its calculation.
* APY - Annual Percentage Yield
1 Annual Percentage Yield (APY) Visit Ent.com/Rates for current rate information. $500 minimum deposit is required for Standard Certificates of Deposit. $1,000 minimum deposit is required for Flex Certificates of Deposit. A penalty may apply for early certificate withdrawal. Penalties could reduce your earnings. Certificates automatically renew at the current non-promotional rate upon maturity. Dividends are paid from current income and available earnings after required transfers to reserves.
2 Allows a member to change the dividend rate once during the term to the current Flex Certificate of Deposit Rate.
3 Allows the member a one-time withdrawal of up to 50% of the current balance during the term without an early withdrawal penalty.
4 Allows the member to add to the certificate of deposit once within the first year with an additional minimum deposit of $1,000.