Certificate of Deposit Features

Depending on your financial circumstances, long term investments may seem too restrictive. A Certificate of Deposit offers you flexibility and guaranteed growth while keeping your money easily accessible.1

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Attractive CD rates.
Our competitive CD rates help grow your savings.
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Low minimum deposit.
Open your CD with a minimum of $500.
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Flexible terms.
Ours CDs offer investment terms ranging from six months to five years.
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Guaranteed dividends.
Your earnings are guaranteed as long as your funds remain for the full CD term.1
OPEN YOUR CD
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Customize your savings.
Select your NCUA-insured investment amount and term. Create a savings plan that works for you.

Certificate Rates

Certificate Rates
Description
Dividend Rate
Annual Percentage Yield (APY)
Minimum Balance
Description
6 Month Certificate
Dividend Rate
4.51%
Annual Percentage Yield (APY)
4.60%
Minimum Balance
$500
Description
1 Year Certificate
Dividend Rate
4.70%
Annual Percentage Yield (APY)
4.80%
Minimum Balance
$500
Description
2 Year Certificate
Dividend Rate
3.93%
Annual Percentage Yield (APY)
4.00%
Minimum Balance
$500
Description
3 Year Certificate
Dividend Rate
3.69%
Annual Percentage Yield (APY)
3.75%
Minimum Balance
$500
Description
4 Year Certificate
Dividend Rate
2.96%
Annual Percentage Yield (APY)
3.00%
Minimum Balance
$500
Description
5 Year Certificate
Dividend Rate
3.45%
Annual Percentage Yield (APY)
3.50%
Minimum Balance
$500
Effective December 11, 2023


A penalty may be imposed for early withdrawal. The amount of the penalty depends on the term of the account. For Accounts with a term to Maturity that is equal to or less than 6 months, the penalty imposed will equal 60 days' dividends. 12 months, will equal 90 days' dividends. Equal to or greater than 24 months, but less than 36 months, will equal 180 days’ dividends. Equal to or greater than 36 months, will equal 365 days’ dividends.

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CDs Work For Everyone

  • Invest in your future.

    When you are in retirement, growing your savings without risk is essential.

  • Share a gift.

    Opening a CD for your children or grandchildren is a great way to pass on guaranteed savings.

  • Save for your next adventure.

    Set aside an off limits adventure fund and watch it grow! Select the CD term that works best with the timeline for your next trip.

  • Build your emergency fund.

    Having an emergency fund will prepare you for life's surprises. Earn guaranteed returns at a higher rate CD than a typical savings account.

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Opening up a CD is easy!
Open your CD online or visit one of our branch locations to get started and watch your savings grow!
OPEN YOUR CD
Have a Question?

Frequently Asked Questions

What is the minimum deposit requirement to open a certificate?

The minimum balance required is $500. 

What is the penalty for early withdrawal from a certificate?

A penalty may be imposed for early withdrawal. The amount of the penalty depends on the term of the account.

  • For Accounts with a term to Maturity that is equal to or less than 6 months, the penalty imposed will equal 60 days' dividends.
  • 12 months, will equal 90 days' dividends.
  • Equal to or greater than 24 months, but less than 36 months, will equal 180 days’ dividends.
  • Equal to or greater than 36 months, will equal 365 days’ dividends.
How and where can I open a certificate?

If you are interested in opening a certificate of deposit, you can open it online here or visit any of our branch locations for assistance.

How can I make changes to my certificate?

Contact us today online or in the branch to make any changes you need to your certificate. 

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Disclosure

1 A penalty may be imposed for early withdrawal. The amount of the penalty depends on the term of the account. For Accounts with a term to Maturity that is equal to or less than 6 months, the penalty imposed will equal 60 days' dividends. 12 months, will equal 90 days' dividends. Equal to or greater than 24 months, but less than 36 months, will equal 180 days’ dividends. Equal to or greater than 36 months, will equal 365 days’ dividends. Funds are federally insured by the National Credit Union Administration.

2 APY = Annual Percentage Yield. APY is accurate as of June 1, 2023. The rate reflects the current 10 month certificate offer. The minimum opening deposit and the minimum balance to earn the stated APY is $500. The maximum balance to earn the stated APY is $50,000. The 10 month certificate will not auto-renew; the balance will be automatically transferred to the member's primary share account. A penalty equal to 90 days of interest may be imposed for withdrawals before maturity. Membership is required. This offer is subject to change without notice. Copper State Credit Union has the right to cancel or change this promotion at any time.

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