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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!

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More Than Just Savings

Explore Our Limited Time Savings Offer –

Open a 12 Month CD at 5.00% APY*  
Or an 18 Month CD at 4.50% APY* 

Choose the Right CD for You!

We Have Options

Term CDs

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.

Save To Win CDs

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!

Super Saver CDs

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 deposited into this certificate 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 Super Saver Certificate** 3.93% $500 4.00%
12 Month Save To Win Certificate*** 1.49% $25 1.50%
12 Month Youth Certificate 4.89% $250 5.00%
12 Month 4.89% $500 5.00%
18 Month 4.41% $500 4.50%
24 Month 4.41% $500 4.50%
36 Month 4.65% $500 4.75%
48 Month 3.45% $500 3.50%
60 Month 3.45% $500 3.50%

*APY = Annual Percentage Yield. Dividends are compounded and credited monthly. 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.

**SUPER SAVER CD
Additional Super Saver deposits not to exceed $100,000 in aggregate per Certificate. Maximum number of Super Saver Certificates is limited to TWO per Social Security number. See our Member Agreement Booklet for full details.

***SAVE TO WIN
Additional deposits can be made throughout the term of the certificate. Maximum number of Save To Win Certificates is limited to ONE per Social Security number. See full disclosures for specific Save To Win CD details. Save to Win Early Withdrawal Penalty will be equal to $25. Fees may reduce earnings. View the Save to Win Official Rules for full details.

Calculate CD/Savings Account Earnings

CD Term
APY
Earnings
6 Month
2.00%
-
12 Month
5.00%
-
12 Month Save To Win Certificate
1.50%
-
12 Month Super Saver Certificate
4.00%
-
12 Month Youth Certificate
5.00%
-
18 Month
4.50%
-
24 Month
4.50%
-
36 Month
4.75%
-
48 Month
3.50%
-
60 Month
3.50%
-
APY = Annual Percentage Yield. Rates effective as of May 27, 2024. 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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