Certificates
Lock in up to 4.00% APY* with a certificate special from CFCU and enjoy guaranteed returns in a safe, federally insured account.
Earn More with a Certificate Special
Don’t miss out – these rates are only available for a limited time! Many credit union members find that Communication Federal Credit Union certificate specials are an easy, safe way to earn higher fixed interest rates. If you are familiar with bank CDs then just think of certificates as the credit union equivalent.
- Lock in a Great Interest Rate
- 6-Month Term Available at 4.00% APY*
- 9-Month Term Available at 3.90% APY*
- 13-Month Term Available at 3.75% APY*
- 26-Month Term Available at 3.55% APY*
- $1,000 Minimum to Open
- Interest Paid Monthly
- Access Free Online & Mobile Banking
- Also Available as an IRA Certificate
Standard Share Certificate Rates
| Product | Minimum Balance | APY* | Dividend Rate | Rate Type |
|---|---|---|---|---|
| 6 Month Share/IRA Certificate | $1,000 | 2.85% | 2.82% | Fixed |
| 1 Year Share/IRA Certificate | $1,000 | 2.95% | 2.91% | Fixed |
| 18 Month Share/IRA Certificate | $1,000 | 2.95% | 2.91% | Fixed |
| 2 Year Share/IRA Certificate | $1,000 | 2.95% | 2.91% | Fixed |
| 3 Year Share/IRA Certificate | $1,000 | 3.25% | 3.20% | Fixed |
| 4 Year Share/IRA Certificate | $1,000 | 3.10% | 3.05% | Fixed |
| 5 Year Share/IRA Certificate | $1,000 | 3.10% | 3.05% | Fixed |
Lock in a great rate with a federally insured certificate from CFCU.
*APY = Annual Percentage Yield. Rates accurate as of 12/3/2025 and subject to change at any time without notice. All offers subject to credit union approval. Restrictions may apply.
$1,000 minimum deposit required to open. Special certificates are not available as step-up certificates. Certificate investments cannot be withdrawn before the maturity date without a penalty. For your convenience, CFCU will automatically renew your certificate at the current rate when it matures. The 6 month certificate will mature to a 6 month certificate. The 9 month certificate will mature to a 9 month certificate. The 13 month certificate will mature to a 12 month certificate. The 26 month certificate will mature to a 24 month certificate.
Interest is paid monthly on the daily balance from the date of issue.