Certificates of Deposit (CD) Rates

Home » Rates » Certificates of Deposit (CD) Rates
Rates as of November 12, 2024
StandardEcoPlus Account Bonus*
Dividends CalculatedQuarterlyQuarterly
Dividends PaidQuarterlyQuarterly
Minimum Opening Deposit$1000$1000
Term of CertificateDividend RateAPY¹Dividend RateAPY¹
6 Months1.00%1.00%1.25%1.26%
11 Months Special**4.43%4.50%n/an/a
12 Months1.24%1.25%1.49%1.50%
18 Months1.49%1.50%1.74%1.75%
22 Months Special**
4.18%4.25%n/an/a
24 Months1.74%1.75%1.99%2.00%
30 Months1.99%2.00%2.24%2.26%
33 Months Special**3.70%3.75%n/an/a
36 Months2.23%2.25%2.48%2.50%
48 Months2.48%2.50%2.73%2.76%

¹APY = Annual Percentage Yield

*Electronic statements and recurring direct deposit required to receive EcoPlus Account. Other eligibility requirements may apply. EcoPlus Account Bonus of .25% will be revoked if account no longer qualifies for an EcoPlus Account. Checking accounts require an opening deposit of $25. Rate may change after the account is opened. Dividends begin to accrue on the first day member funds are made available and the Certificate of Deposit is issued. Dividends on CDs are compounded and paid quarterly, or at maturity. Dividends on your certificate will be credited by adding the dividend to the principal. Interest rate locked when account is opened. A penalty may be imposed for early withdrawal and fees could reduce earnings on account. Withdrawal of earnings could reduce APY. Other rates and terms available. Membership required and subject to qualifications. Minimum $5 share deposit required. 

**Minimum amount to open any Special Rate Certificate is $500. EcoPlus Checking Account Bonus of .25% does NOT apply. 11-month special CD will automatically renew for a standard 12-month term and rate at maturity. 22-month special CD will automatically renew for a standard 24-month term and rate at maturity. 33-month special CD will automatically renew for a standard 36-month term and rate at maturity.

Rates subject to change without notice.
Not valid for brokered deposits, institutional investors, or Public Funds

All DuTrac branches will be closed on Thursday, November 28, for Thanksgiving.

All DuTrac offices will be closed Wednesday, June 19, for Juneteenth.

All DuTrac branches will be closed on Thursday, July 4, for Independence Day.

All DuTrac branches will be closed on Monday, September 2, for Labor Day.

All DuTrac branches will be closed on Monday, January 15, in observance of Martin Luther King Jr. day.

All DuTrac branches will be closed on Monday, February 19, for Presidents' Day.

All DuTrac branches will be closed on Monday, May 27, for Memorial Day.

Credit card activity will be unavailable for viewing through e-banking or CardValet until Tuesday, October 15 while we upgrade our system.

All DuTrac branches will be closed on Monday, November 11, for Veterans Day.

All DuTrac branches will be closed on Monday, December 25, for Christmas Day.

All DuTrac branches will be closed on Monday, January 1, for New Year's Day.

Due to inclement weather, all DuTrac branches will close at 1:00 PM today, January 9. Online banking, AccessLine, ATMs and our app are available 24/7 for your convenience.