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Consumer CD Rates

CD Specials

Term APY1 Minimum to Open and to Obtain APY Interest
Paid
6 Month Regular CD1 4.50% $1,000 At Maturity
15 Month Regular CD6 earn up to 4.25% $1,000 (when half initial deposit is "new money"6) Monthly
33 Month Regular CD6 earn up to 3.65% $10,000 (when half initial deposit is "new money"6) Monthly

 

Regular/No-Step CD Rates

Term APY1 Minimum to Open and to Obtain APY Interest
Paid
12 Month CD {{ratesnum.50}}% $1,000 Monthly
18 Month CD {{ratesnum.53}}% $1,000 Monthly
24 Month CD {{ratesnum.56}}% $1,000 Monthly
36 Month CD {{ratesnum.58}}% $1,000 Monthly
48 Month CD {{ratesnum.60}}% $1,000 Monthly
60 Month CD {{ratesnum.63}}% $1,000 Monthly

Step Up CD Rates2

Term APY2 Minimum to Open and to Obtain APY Interest
Paid
18 Month Step-Up CD {{ratesnum.52}}% $1,000 Monthly
24 Month Step-Up CD {{ratesnum.55}}% $1,000 Monthly
36 Month Step-Up CD {{ratesnum.57}}% $1,000 Monthly
48 Month Step-Up CD {{ratesnum.59}}% $1,000 Monthly
60 Month Step-Up CD {{ratesnum.61}}% $1,000 Monthly

Save Up CD Rates3

Term APY2 Minimum to Open and to Obtain APY Interest
Paid
12 Month Save-Up CD {{ratesnum.51}}% $500 At Maturity

Rate Mover CD Rates (for Auto Renewals Only)4,5

Term APY5,6 Minimum to Open and to Obtain APY Interest
Paid
18 Month Rate Mover CD {{ratesnum.54}}% $1,000 Monthly
48 Month Rate Mover CD 0.25% $1,000 Monthly

 

APY (Annual Percentage Yield) is accurate as of 5/10/2023.

1For CDs, penalty may be imposed for early withdrawal. Fee could reduce the earnings on the account. CDs automatically renew for another term at rate in effect at that time for that CD type.

2Step-Up CDs give you the ability to change your rate one time to the rate currently in effect for CDs of this type. You will keep the same original term but may potentially enjoy a higher rate.

3Deposits allowed to the Save Up CD for $100 or more per deposit. Automatically renews for another term upon maturity. 

4These Rate Mover CDs are no longer available. The rates shown are what current Rate Mover CDs will automatically renew into upon maturation. Rate Mover CD is a variable rate. The rate may change after the account is opened based on changes in prime index as quoted in The Wall Street Journal.

5Automatically renews for a like term at the rate in effect at that time for that CD type. Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Rate Mover CDs are not available as IRA CDs.

6"New money" is defined as funds not on deposit at Avadian in the past 30 days. Minimum opening deposit of $1,000 for the 15 month special. To earn the additional APY, 50% of the funds must not be on deposit at Avadian is required. If the 50% deposit is not met, the APY is 4.00 APY. Fees could reduce earnings on the account. Minimum opening deposit of $10,000 for the 33 month special. To earn the additional APY, 50% of the funds must not be on deposit  at Avadian is required. If the 50% deposit is not met, the APY is 3.40% APY. Penalty may be imposed for an early withdrawal.

To open a new Traditional IRA CD, you must have earned income and be under the age of 70½ unless you are transferring the funds from another institution. To open a new Roth IRA CD, you must have earned income and be under the income limits set by the IRS.
 

Note: Rates are subject to change without notice.

 



The credit union is federally insured by the National Credit Union Administration.
Additional insurance of up to $250,000 on your savings accounts is provided by Excess Share Insurance Corporation, a licensed insurance company.

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