When you put your savings into a Certificate, you'll enjoy the benefit of securing a high fixed rate for a term that works for you. Sit back and watch your savings grow with our Certificates.

Additional terms and rates are available. Click here for more information.

*APY = Annual Percentage Yield

* Certificate Important Information:
New money only. All certificate rates are fixed for the length of the term. A penalty may be imposed for withdrawals before maturity. If your account has an original maturity of one year or less, the penalty will equal three months dividends on the amount withdrawn subject to penalty. If your account has an original maturity of more than one year the penalty will equal six months dividends on the amount withdrawn subject to penalty. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. If the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. In certain circumstances such as the death or incompetence of an owner of this account, the law permits or may require the waiver of the early withdrawal penalty. If the term of your certificate is not available at the time of renewal, your certificate will renew at the next longest term available. Other exceptions may also apply; for example, if the certificate is part of an IRA or other tax-deferred savings plan. Refer to Central One Federal Credit Union's Member Service Agreement and Our Rates and Service Charge Disclosure for complete details. Only valid for a 9 month term. With our rate guarantee, your Certificate account will receive the highest published interest rate and Annual Percentage Yield (APY) we offer on the 9 month certificate starting on your account opening date and extending for 30 days. This only applies to Central One Federal Credit Union Certificate products.