CDs (Certificate of Deposit)

Lock in guaranteed returns with a secure savings option. Our Certificates of Deposit (CDs) offer competitive, fixed rates for set terms—so you can grow your money with confidence and stability.

Become a Member

Guaranteed
Interest Rates

Flexible
Term Options

Higher Returns
than Savings

Safe, Low-Risk
Investment

No Monthly
Fees

Federally Insured
by NCUA

Start with as
Little as $500

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Grow Your Savings with a CD

A Certificate of Deposit (CD) is a smart way to save when you know you can set funds aside for a specific period of time. CDs offer higher, guaranteed interest rates compared to traditional savings or money market accounts—just choose your term and let your money grow. The longer the term, the greater your potential return.

Here’s what to expect with a CD from Extra Credit Union:

Safe and secure savings option
Higher, fixed interest rates
Minimum balance requirement of $500
Terms ranging from 180 days to 60 months
At maturity, choose to withdraw funds or roll into a new CD
No early withdrawals allowed

Smarter Tools. Better Control. More from Extra Credit Union.

Checking Accounts

Manage Your Money with Ease

Stay on top of your finances with our hassle-free checking accounts. Enjoy features like no minimum balance, online and mobile banking, and convenient debit card access to keep your money within reach.

Savings Accounts

Build Your Savings, Secure Your Future

Start saving for what matters most with our range of savings accounts. Earn competitive interest rates while keeping your funds accessible and secure.

Money Market Accounts

Higher Returns, Flexible Access

Grow your savings with our money market accounts. Enjoy higher interest rates than traditional savings accounts while still having access to your funds when you need them.

Youth Banking

Start Smart, Save Smart

Teach kids and teens the value of saving with our youth banking options. From savings accounts to financial education, we’re here to help young members build strong financial habits early.

Love My Credit Union Rewards Program

Extra Credit Union is proud to partner with Love My Credit Union Rewards to offer benefits to our members. Extra Credit Union doesn’t control the functionality, policies, or content on independent sites.

Turbo Tax

Members can save up to $15 on TurboTax online federal tax products with the credit union member discount through Love My Credit Union Rewards. Click/tap here for more information.

TruStage

Members can save hundreds on car insurance with the TruStage Auto & Home Insurance Program. Combine auto and homeowner’s coverage and you could save even more. Restrictions apply. See website for complete details.

H&R Block

Save up to $25 with professional tax help. Get the details .

Outdoor Vehicle Buying Program

Looking to get outdoors? Take advantage of credit union member pricing with the Love my Credit Union Rewards Powersports and RV Buying Program. Get the details .

Rental Kharma

Rent builds good credit. Add all of your past rent onto your credit report with Rental Kharma. Get the details .

Asurion Home+

Members get exclusive access to home tech protection and support. Get all the details .

Your Financial Journey Starts Here

Unlock personalized banking, exclusive rewards, and a community that supports you. Take the next step toward your financial freedom today.

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