Certificates
Lock in up to 3.90% 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.
Current Specials:
- 13 Month IRA/Share Certificate Special Available at 3.90% APY*
- 9 Month IRA/Share Certificate Special Available at 3.70% APY*
Certificate Features:
- Lock in a Great Interest Rate
- $1,000 Minimum to Open
- Interest Paid Monthly
- Also Available as an IRA Certificate
Certificate Earnings Calculator
See what your savings could earn with Communication Federal Credit Union’s certificate calculator. Estimate your balance at maturity and total interest earned across certificate terms, including current certificate specials.
See what your savings could earn with Communication Federal Credit Union’s certificate calculator. Estimate your balance at maturity and total interest earned across certificate terms, including current certificate specials.
APY = Annual Percentage Yield. Rates are subject to change at any time. Fees can reduce earnings on some accounts. A penalty may be imposed for early withdrawal. Estimate is illustrative and assumes the certificate is held to maturity.
Standard Share Certificate Rates
| Product | Minimum Balance | APY^ | Dividend Rate | Rate Type |
|---|---|---|---|---|
| 6 Month IRA/Share Certificate | $1,000 | 3.30% | 3.25% | Fixed |
| 1 Year IRA/Share Certificate | $1,000 | 2.95% | 2.91% | Fixed |
| 18 Month IRA/Share Certificate | $1,000 | 3.90% | 3.83% | Fixed |
| 2 Year IRA/Share Certificate | $1,000 | 3.25% | 3.20% | Fixed |
| 3 Year IRA/Share Certificate | $1,000 | 3.25% | 3.20% | Fixed |
| 4 Year IRA/Share Certificate | $1,000 | 3.10% | 3.05% | Fixed |
| 5 Year IRA/Share 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 07/21/2026 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. Certificate investments cannot be withdrawn before the maturity date without a penalty.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.
Special Certificate Maturity Information: 13 month certificate will mature to a 12 month certificate. 26 month certificate will mature to a 24 month certificate. 39 month certificate will mature to a 36 month certificate.
Interest is paid monthly on the daily balance from the date of issue.