Certificates - Earn More with High Rates

Premium Certificates

dad and daughter in kitchen baking

Cook up some savings with our Premium Certificates that provide a higher rate of return than our Regular Certificates.

Current Premium Rates

Certificate Term Dividend Rate APY^

6 Month 0.995% 1.00%

1 Year 2.716% 2.75%

18 Month 4.266% 4.35%

2 Year 3.687% 3.75%

30 Month 3.445% 3.50%

3 Year 3.445% 3.50%

5 Year 3.203% 3.25%


  • Premium interest rate, often well above the national CD average1
  • Can borrow against the certificate with a secured loan
  • Dividends compound monthly
  • Choose to have dividends transferred monthly to any of your accounts or paid to you by check
  • Federally insured by the NCUA


  • Minimum deposit of $5 in Owner Voting Share account
  • Minimum balance of $10,000
  • Open and maintain a Premium Checking account
  • Subject to early withdrawal penalties*

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Other Certificate Products

^APY = Annual Percentage Yield

1 National rate comparison from nerdwallet-2/14/2023.

* Certificate Important Information:
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your account has an original maturity of one year or less, the penalty will equal three months dividends on the amount withdrawn subject to penalty.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your account has an original maturity of more than one year the penalty will equal six months dividends on the amount withdrawn subject to penalty.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

IMPORTANT: Failure to maintain the requirements of the Premium Checking or Premium Certificate accounts may result in placement in a Regular Checking or Regular Certificate account.