Certificates

Looking for some of the best rates around with a guaranteed return for your hard earned money? Smart move.

Investing your funds in a local not-for-profit financial institution will not only provide you with some of the highest returns around, it strengthens your community in ways you wouldn't believe. Experience a win-win and choose CFCU to grow your money.

Apply within Digital Banking, stop by any branch, or call us today at 800-428-8340. It only takes a few minutes to set up and you'll be earning more than before!

Why Invest?

1. We're local AND not-for-profit.

Honestly, what more could you ask for? Not only will you receive the benefit of earning more on your investment, but you are also strengthening your Credit Union and communities by choosing to invest with us. 

2. You're insured up to $250,000 with the NCUA.

CFCU provides a safe place for your hard-earned savings. Depositors are federally insured to at least $250,000 by the National Credit Union Administration, which holds one of the strongest federal deposit insurance funds in existence.

3. Some of the best rates around.

Go ahead, check out the competition's rates. We'll be here when you get back.

All Certificate Rates

Table data for Lucky Savers Certificate - $25 minimum to open and earn APY
 Rates as of 11/1/2020
Term Annual Percentage Yield (APY)1 Alert Me
12 month 0.45% Receive a notification when this rate changes
The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal.

Lucky Savers Truth in Savings Disclosure

See official rules here. For more information, please visit www.nycua.org.

  • 1Compounded Monthly

Table data for Certificates with $500 minimum to open and earn APY.
 Rates as of 11/1/2020
Term Annual Percentage Yield (APY)1 Alert Me
3 Month Plus 0.15% Receive a notification when this rate changes
6 Month Plus 0.25% Receive a notification when this rate changes
12 Month Plus 0.45% Receive a notification when this rate changes
24 Month Plus 0.70% Receive a notification when this rate changes
36 Month Plus 0.85% Receive a notification when this rate changes
48 Month Plus 1.05% Receive a notification when this rate changes
60 Month 1.35% Receive a notification when this rate changes
The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal.

Certificate Truth in Savings Disclosure

  • 1Compounded Monthly

Table data for Certificates with $25,000 minimum to open and earn APY
 Rates as of 11/1/2020
Term Annual Percentage Yield (APY)1 Alert Me
3 Month Plus 0.20% Receive a notification when this rate changes
6 Month Plus 0.35% Receive a notification when this rate changes
12 Month Plus 0.55% Receive a notification when this rate changes
24 Month Plus 0.80% Receive a notification when this rate changes
36 Month Plus 0.95% Receive a notification when this rate changes
48 Month Plus 1.15% Receive a notification when this rate changes
60 Month 1.45% Receive a notification when this rate changes
The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal.

Certificate Truth in Savings Disclosure

  • 1Compounded Monthly

Table data for Certificates with $100,000 minimum to open and earn APY
 Rates as of 11/1/2020
Term Annual Percentage Yield (APY)1 Alert Me
3 Month Plus 0.25% Receive a notification when this rate changes
6 Month Plus 0.50% Receive a notification when this rate changes
12 Month Plus 0.70% Receive a notification when this rate changes
24 Month Plus 0.95% Receive a notification when this rate changes
36 Month Plus 1.10% Receive a notification when this rate changes
48 Month Plus 1.30% Receive a notification when this rate changes
60 Month 1.60% Receive a notification when this rate changes
The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal.

Certificate Truth in Savings Disclosure

  • 1Compounded Monthly

FAQ