A Certificate of Deposit (CD) is a simple, low‑risk way to grow your savings. You choose a term, earn a guaranteed rate, and know exactly what your money will grow to—without surprises.
Earn our highest deposit rates on savings of $1,000 or more.
From 6 months to 5 years.
Higher yield without the risk of other investments.
Our team is here to help.
Your money works for you, not stockholders.
Saving with HRCU helps provide opportunity for your community.
How a Certificate of Deposit
Certificates of Deposit are designed to help make the most of your money when you are saving for something specific, protecting money you’ve already built, or just want to avoid risk. By choosing a term and earning a guaranteed premium rate, you can plan with confidence.
A CD might be right for you if you want to:
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 Month | 3.44% | 3.49% |
| 9 Month | 3.44% | 3.49% |
| 12 Month | 3.39% | 3.44% |
| 18 Month | 3.35% | 3.40% |
| 24 Month | 3.44% | 3.49% |
| 36 Month | 3.49% | 3.55% |
| 48 Month | 3.49% | 3.55% |
| 60 Month | 3.49% | 3.55% |
| Wealth Builder 12 Month | 1.25% | 1.26% |
| *APY = Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividends are earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to penalty for early withdrawal. Wealth Builder Certificate requires automated deposits. | ||
Want to start smaller? Our Wealth Builder CD helps you get started building your savings with as little as $50!
When you open a Certificate of Deposit with Holy Rosary Credit Union, you’re doing more than growing your own savings. As a member‑owned, not‑for‑profit financial cooperative, the money you entrust to us helps strengthen the entire community.
By saving with HRCU, you are also supporting opportunities for individuals and families working toward important goals—like starting a small business, buying a home, or reducing debt. It’s one way your financial choices can create wins for your future, your neighbor, and our community.
Your CD multiplies your impact:
*Membership and active Youth Account with Holy Rosary Credit Union required. Reward subject to change at any time.
Join a credit union that truly puts its members first. With competitive rates, a commitment to financial education, personalized support in several languages, and a deep dedication to this community, we are here to help you achieve your financial goals.
