Login CERTIFICATE OF DEPOSIT SAVINGS YOU CAN COUNT ON A Certificate of Deposit (CD) is a popular and easy method to save some money for a future project and earn interest along the way. We’ve made it easy for you to reach your savings goals, so all you have to do is decide how much and for how long, and we’ll do the rest! Open Certificates With As Little As $50.00 Flexible Terms Ranging From 3 to 60 Months Guaranteed Rate For Entire Term Insured Up To $250,000 By NCUA OPEN A CERTIFICATE WHAT IS A CERTIFICATE OF DEPOSIT? What Is a Certificate of Deposit? A secure deposit. Deposited money must stay in the credit union for a specified length of time to earn a promised return. Flexible. You can pick the term to fit your needs, whether it’s three months or as long as 60 months. Versatile. A certificate of deposit can be used to save for a future goal, like a home project, vacation, college tuition, and much more! Insured. The National Credit Union Association (NCUA) insures CDs up to $250,000. What Are The Advantages? Open a certificate of deposit with as little as $50! Interest rates vary depending on the term and the amount deposited. Rates are locked in for the length of the term of the certificate. Most CDs earn higher interest rates than regular savings accounts and money market accounts. The simple process of opening a certificate of deposit means you don’t have to constantly monitor or take action on it. CERTIFICATE OF DEPOSIT RATES We offer competitive rates on certificates of deposit because we want you to get the most out of the money you’re depositing with us! OPEN A CERTIFICATE Share, Traditional IRA, Roth IRA, HSA^ & Coverdell Education Savings Account Certificate Rates Term Interest Rate APY* 3 months1 0.10% 0.10% 6 months1 0.10% 0.10% 9 months1 0.20% 0.20% 12 months1 0.250% 0.25% 18 months1 0.300% 0.30% 24 months1 0.449% 0.45% 30 months1 0.499% 0.50% 36 months1 0.598% 0.60% 48 months1 0.698% 0.70% 60 months1 0.797% 0.80% 12 month Add-On2^ 0.349% 0.35% Rates accurate as of Nov 27, 2021 All youth under the age of 18 will receive an additional 0.25% APY to the stated rates unless otherwise noted. A penalty fee may be imposed if you withdrawal funds prior to the maturity date. 1 Rate Protector allows a one time rate adjustment for 3-36 month term CDs and a two time rate adjustment for 37-60 month term CDs with no penalties or fees. 2^ 12 month add-on not eligible for additional 0.25% APY youth rate bump or rate protector adjustment. 12-month add-on CD not eligible for IRA CD's. HSA CD only available on the 12-month add-on CD rate and term. Contact a member service representative to open an HSA CD. *APY = Annual Percentage Yield. ** Minimum (1) direct deposit or active checking (8+ debit card transactions) per month is required to receive above stated rates. Rate Protector and Youth 0.25% APY rate bump are valid on CD Specials. CD Interest Calculator Use this calculator to help you determine how much interest you could earn with each certificate of deposit and which one would best help you reach your savings goal. CALCULATE EARNINGS Protect Your Rate Are you concerned about committing to one of our current rates? With Rate Protector, you can choose one time during the term of your certificate of deposit to bump your rate, if interest rates go up! OPEN A CERTIFICATE CERTIFICATE OF DEPOSIT FAQS How much do I need to open a CD? How do I know which term is best for me? What is APY? What is an interest rate? TIPS TO HELP YOU SAVE MONEY Tips For Smart Black Friday Shopping Whether you’re planning to shop in store or online, these Black Friday shopping tips will help make sure that you get the most out of your holiday budget. The Real Reason College Grads Still Eat Ramen Noodles Learn how to pay off student loan debt faster with the help of GreenPath Financial Wellness. 3 Ways Honor Supports Your Online Holiday Shopping Everything about this year has been a little different, including the way we shop. While we may have already been Saving Money Is Effortless With It’s Your Change Learn how you can automatically save money when you use your Honor debit card for purchases. Chat Routing Number: 272484852 Careers Privacy & Security Disclosures NMLS Copyright© 2021 Honor Credit Union Insured by NCUA. Equal Housing Opportunity. We do business in accordance with the Fair Housing Act. If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 800.442.2800 for assistance. All products and services available on this website are available at all Honor Credit Union full-service locations.