Christian Financial Credit Union | Certificates of Deposit
Secure Your Savings With a CD
A Certificate of Deposit (CD) is like a money time capsule – you lock away your cash for a set amount of time, and in return, your account gains more interest than a traditional savings account. Sit back and watch your cash blossom with our variety of CD options!
Save Your Way
Explore Our Limited Time Savings Offer –
Open a 12 Month CD at 4.20% APY* Or an 18 Month CD at 4.10%APY* Or an 24 Month CD at 4.00%APY*
Make smart money moves with our Term Certificates! You get to call the shots on how long your money stays invested – whether it’s 6 months or 5 years, you have choices.
Our Save to Win Certificate is only $25 to open and you can add to it as often as you like. With a Save to Win CD you have chances to win extra cash every month just for saving!
Start with just $500 and watch your money grow. Plus, you can supercharge your savings with additional deposits of at least $50 along the way.
Save to Win
Start Winning Today with Save to Win!
Save to Win is a 12-month Certificate of Deposit that builds savings while also giving you the chance to win thousands of cash prizes monthly and several $5,000 cash prizes quarterly each year! For every $25 increase in your month over month balance, you are entered for a chance to win cash prizes each month. Plus, you collect interest on all the money you deposit!
Maximize Your Savings with a Certificate of Deposit
The Benefits of CDs – Explained
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They offer steady growth
CDs offer a fixed interest rate that exceeds regular savings accounts, ensuring that your money will experience consistent growth at a predetermined rate.
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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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NCUA Insured
Confidence and trust that your funds are secure with us.
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Low minimum balance
Only $500 to open most CDs with Christian Financial. Only $25 for a Save to Win account!
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Simple to open
Open your new CD online in minutes. Fund your new CD with money held outside the Credit Union or from your Christian Financial account.
6 Month Certificate
Term
Dividend Rate
Minimum Balance
APY*
6 Month*
1.99%
$500
2.00%
*APY = Annual Percentage Yield. Dividends are compounded and credited quarterly. Penalties may apply for early withdrawals from certificate accounts. Fees may reduce earnings. Rates are subject to change without notice. See our Member Agreement Booklet for full details.
Certificates of Deposit
Term
Dividend Rate
Minimum Balance
APY*
12 Month Save To Win Certificate***
1.49%
$25
1.50%
12 Month Super Saver Certificate**
3.78%
$500
3.85%
12 Month Youth Certificate
4.12%
$250
4.20%
12 Month
4.12%
$500
4.20%
18 Month
4.02%
$500
4.10%
24 Month
3.93%
$500
4.00%
36 Month
3.93%
$500
4.00%
48 Month
3.45%
$500
3.50%
60 Month
3.70%
$500
3.75%
Calculate CD/Savings Account Earnings
CD Term
APY
Earnings
6 Month
2.00%
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APY = Annual Percentage Yield. Rates effective as of June 29, 2025. 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.
See How Much You Could Save
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Reviews
Don't take our word for it!
“If you want to get great rates on a CD or other low-risk investment accounts, come here for sure!”
-Michael C.
Yelp
“I couldn’t be happier with the service I received from Christian Financial. They were professional, so knowledgeable, always friendly and not pushy on service they were providing.”
-Marti T.
Yelp
“I love CFCU! I’ve been with them for 10 years – great staff and good service!”