Guaranteed fixed rate for the entire term
Fixed-term investment
Term Certificates
A great way to earn competitive dividends with a guaranteed fixed rate for the term you choose.
Current rate — check with an advisor
Apply online →Term Certificates
A fixed rate you know in advance
Plus, your deposits are federally insured up to $250,000 per individual account.
Flexible terms so you can choose what works best for you
Federally insured deposits
Apply online
Special offer
Special certificate
In addition to our traditional terms, we offer a certificate with special conditions for new members.
Term Certificate Rates
Rates by term
Minimum opening deposit: $0. Rates shown are reference values — check with an advisor for current rates.
| Term | APY |
|---|---|
| 3 months | 0.00% |
| 6 months | 0.00% |
| 12 months | 0.00% |
| 24 months | 0.00% |
| 36 months | 0.00% |
| 48 months | 0.00% |
| 60 months | 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 form below to start your application.
Frequently asked questions about Term Certificates
What is a term certificate?
It's a savings account with a fixed term and rate. Dividends are earned at a guaranteed rate throughout the chosen term, and your deposits are federally insured by the NCUA.
Is there a minimum deposit to open it?
Yes, a minimum opening deposit is required. Check with an advisor for the current amount.
What happens if I withdraw my money before maturity?
Certificates are subject to an early withdrawal penalty. See the account disclosure document for details.
What terms can I choose?
We offer several terms, from a few months up to five years, plus a certificate for new members. Check with an advisor for current terms.
Do I need to be a member of Christian Credit Union to open this account?
An advisor will confirm the membership requirements once they receive your application.