For members focused on long-term savings, our Certificates of Deposit (CDs) offer a higher Annual Percentage Rate (APR) than our Primary Savings and Holiday Club Savings accounts. With flexible terms of 6, 12, 24, or 36 months, CDs allow you to securely lock in your savings and earn competitive returns. You can open a CD with a minimum deposit of $1,000. Upon maturity, you’ll have a 10-business-day grace period to make any changes before the CD automatically renews for the same term at the current APR. Please note that early withdrawals are subject to a penalty equal to 90 days of earned dividends.