Our 12-, 18- & 24-month Certificate of Deposit (CD)’s offers a fixed 4.50% APY* rate you can count on. It’s a simple, steady way to grow your savings. Incoming wire fee** waived for a limited time.
Choose Your CD Term:
How Can a CD Benefit You?
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Low Minimum Balance
Only $500 to open a 12-, 18- or 24-month CD.
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Federally Insured Security
Confidence that your savings are federally insured by the NCUA.
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No market risk
Your CD’s performance is independent of market fluctuations, so there is no risk involved.
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Guaranteed returns
Your money will experience consistent growth at a predetermined rate.
Calculate Your Savings
Calculate CD/Savings Account Earnings
CD Term
APY
Earnings
6 Month
2.00%
-
12 Month
4.50%
-
12 Month Save To Win Certificate
1.50%
-
12 Month Super Saver Certificate
3.50%
-
12 Month Youth Certificate
4.50%
-
18 Month
4.50%
-
24 Month
4.50%
-
36 Month
3.75%
-
48 Month
3.50%
-
60 Month
3.75%
-
APY = Annual Percentage Yield. Rates effective as of October 26, 2026. Dividends are compounded and credited quarterly for 6 month CDs and monthly for all other CDs. Penalties may apply for early withdrawals from certificate accounts. Fees may reduce earnings. Rates are subject to change without notice. Super Saver and Save to Win CDs allow additional deposits throughout the term. See full details for terms and conditions.
Calculator results are estimates based on information you provide and Christian Financial does not guarantee your ability to receive these terms. Contact us for full terms and conditions.
Open a Certicate of Deposit Now
Ready to start your savings?
Effortless Saving with CDs
Simple Savings, Made Easy
Open a CFCU CD in minutes, online or in app. Quick, simple, and stress-free from the start.
Easy to Get Started
Open with just $500, chose a 12-, 18- or 24-month term, and fund in a few simple steps.
Set It and Forget It
Once your CD is open, there’s nothing to manage. Check your balance anytime in digital banking while your savings grow.
Confident, Reliable Savings
Enjoy peace of mind with guaranteed returns, no market risk, NCUA-insured funds, and predictable growth.
Reviews
Don't take our word for it!
“The process was super straightforward. No confusion, no pressure, just picked my term and got it set up.”
-Nicole
Google
“Christian Financial made it easy to open a CD and just let it grow.”
-Andrew
Google
“I wanted a better rate without the hassle. The CD was quick to open and made sense for me.”
*APY = Annual Percentage Yield. APY accurate as of
.
Minimum balance to open and earn APY is $500.
Penalties may apply for early withdrawals from certificate accounts.
Fees may reduce earnings. Rates are subject to change without notice.
Contact CFCU for full details. Insured by NCUA.