Certificate of deposit
Fund your future with a CD
Being a member of OCCU has its perks, like earning higher interest on your money. If you’re saving to fund your next dream, consider setting aside your extra cash in an OCCU CD. You’ll earn more interest than with a standard savings or money market account. So, dream big – we’ll help you get there.
Boost your savings with a limited time offer
You know the importance of saving for your future, but how do you find the best way to help you reach your goals? Certificates are a great way to protect your investment and grow your savings faster than a traditional checking or savings account.
We’re offering our members a special certificate rate for a limited time to help you reach your short-term savings goals:
APY9 on a 7-month certificate
APY45 on a New Money 13-month certificate
Our team is ready to help you reach your money goals. Call our team, visit your nearest branch or open your CD online today.
See all certificate rates and fees.
Types of certificate accounts
OCCU’s certificate options were designed around your needs and future goals. Regular certificate accounts require at least $500 to get started, and jumbo certificates are available for those with at least $100,000 to invest. Our new money 13-month CD special requires an initial deposit of $10,000 not currently on deposit with OCCU.
What are you saving for?
Helping you reach your goals is pretty much our favorite thing. Send us a message below and we will help you get started.
Current rates
We’re investing in members like you with our high-rate certificates.8
APY8 on 24-month regular certificate
APY8 on 36-month regular certificate
APY8 on 48-month regular certificate
APY8 on 60-month regular certificate
See all certificate rates and fees.
Lock in a higher rate
With a CD, you can save for your next big dream and earn more interest than a standard savings or money market account.
- You’ll earn interest at a higher rate.
- Your deposit is insured by the NCUA.
- There’s no risk to the principal deposit as long as the certificate reaches maturity.
Dream big – we’ll help you get there
Growing your savings to meet your financial goals can be safe and simple. Placing your money in a CD is a secured investment with guaranteed interest, if you leave the funds in for the full term. With a CD, you never need to worry about the market going up or down. Your investment is safe and earning the entire time.
Bump up your certificate rates
Stay rate-savvy with your savings. If you discover that CD rates have increased after opening your certificate, you can take advantage of those higher rates. Just let us know that you’d like to increase your rate. And when you do so, you’ll have the option of making an additional deposit.10
8The regular certificate account and jumbo certificate account annual percentage yields (APY) & rates are current as of 05/06/2025. There is a minimum balance requirement of $500 to open the regular certificate account and earn the APY. There is a minimum balance requirement of $100,000 to open the jumbo certificate account and earn the APY. Early withdrawal penalties may apply. Fees could reduce earnings.
9Promotion is for a 7-month CD with an APY of 4.00%. Annual percentage yield (APY) accurate as of 05/06/2025. Minimum balance of $500 to open certificate and obtain APY. Fees may reduce earnings. Early withdrawal penalty may apply. Federally insured by NCUA. Offer may end at any time, contact OCCU for more details.
4513-month CD with an annual percentage yield (APY) of 4.25%. APY accurate as of 05/06/2025. Minimum balance to obtain APY is $10,000 of new money (not currently on deposit at OCCU). Owner may increase the interest rate once during the term to the current interest rate offered by OCCU on certificates of the same term and required deposit. Your increased interest rate will take effect on the day we process your request. Upon maturity, Certificate Special accounts default to the current 12-month rate and term. In addition, during the initial term of the certificate, you may make one (1) additional deposit up to the original amount of the certificate (note: annual IRA contribution limits apply for IRA accounts). Special offers and rate match offers do not apply. Early withdrawal penalty may apply. Federally insured by NCUA. Offer may end at any time, contact OCCU for more details.
10Bump-up certificates allow you to increase your rate and add an additional deposit, up to the original principal balance, once per term.