Save your money for a set amount of time and lock in an interest rate that is typically higher than that of a basic savings account. Choose terms from three months to five years and open a CD with as little as $500. Usually, the longer the term, the higher the interest rate.

More about our CDs:

• Your savings are federally insured by the National Credit Union Administration, a U.S. Government agency.
• Advantage Point Teen Club members can open a Young Investors CD for three, six, or 12 months with just $100.
• Interest is calculated on the average daily balance of the certificate over the interest period.
• Interest compounds quarterly.
• Interest may be paid monthly if transferred to another ACU account (except for three-month CD).
• Interest checks may be mailed monthly or quarterly for CDs of $10,000 or more.
• Certificates can be used as collateral for loans.

View our current rates and terms.

If you withdraw money from a CD before the term is up, you may have to pay a penalty or forfeit a portion of the interest you earned.

• Use our free CD and CD ladder calculators to find out how much interest you could earn.
• Get savings tips for any stage in life.
• Get tips to save for emergencies, a home, retirement, and more through America Saves.
• For a library full of financial information, visit MEMBERS Financial Network.