Guaranteed fixed rate for the entire term
Exclusive for new members
New Member Certificate
An offer designed for those joining the credit union: a guaranteed fixed rate for a set term.
Current rate — check with an advisor
Apply online →New member certificate
Lock in your rate from the start of your membership
Plus, your deposits are federally insured up to $250,000 per individual account.
Exclusive for new members
Federally insured deposits
Apply online
Who can open it?
- Be a new member of the credit union, within the period after joining set by the credit union.
- Not have previously held certain accounts or loans with the credit union, per current conditions.
- Make the minimum opening deposit.
How it works
- You deposit your funds and earn a fixed rate for the entire term.
- Dividends are paid according to the certificate's terms.
- Generally, additional deposits are not allowed during the term.
- At maturity, you can withdraw your funds or choose how to renew them.
Certificates are subject to an early withdrawal penalty, which may reduce your earnings and even your principal. See the disclosure document for details.
New Member Certificate Rate
Guaranteed fixed rate
Minimum opening deposit: $0. The rate shown is a reference value — check with an advisor for the current rate and term.
| Certificate | Term | APY |
|---|---|---|
| New member certificate | Fixed term | 0.00% |
National Credit Union Share Insurance Fund
Your deposits are federally insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government, up to $250,000 per individual account.
Additional coverage
Additional coverage may be available through a private insurer for balances that exceed the maximum covered by the NCUA. Check with an advisor for current details.
Apply online
Complete the following form to start your application.
Frequently asked questions about the New Member Certificate
Who can open this certificate?
New members, within the period after joining set by the credit union. An advisor will confirm whether you meet the current requirements.
How does a term certificate work?
You deposit a sum and earn a fixed rate for a set term. It's an alternative similar to a bank's certificates of deposit.
Is there a minimum or maximum deposit?
Yes, a minimum opening deposit is required and a maximum may apply. Check with an advisor for the current amounts.
Can I make additional deposits?
Generally, additional deposits are not allowed during the term. See the certificate's disclosure document.
What happens if I withdraw my money before maturity?
Certificates are subject to an early withdrawal penalty that may reduce your earnings and even your principal. See the disclosure document for details.
Do I need to be a member of Christian Credit Union to open this account?
An advisor will confirm the membership requirements when they receive your application.