Save-for-you-future-with-a-certificate-of-deposite-at-Finex-Credit-Union.
4.8 (705 Reviews)

Save More For Your Future With A Certificate of Deposit

Get closer to your savings goals with a certificate of deposit from Finex Credit Union! Take advantage of our competitive CD rates and enjoy a guaranteed return on your savings! All deposits are NCUA insured.

Apply Now

Discover Unbeatable CD Rates at Finex!

Earn an impressive 4.25% APY* with our 9-month term CD and watch your savings soar in record time!
Find-out-what-a-certificate-of-deposite-is-and-the-perks.

Open a CD here:

CD Rates

1 APY = Annual Percentage Yield. Rates are subject to change. Dividend rate and annual percentage yield may change at any time without notice. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day, then compounded and credited every month. Contact memberservices@finexcu.org for CD rates greater $75,000. New Money is considered funds not currently under deposit at Finex Credit Union.

An early withdrawal penalty may apply to share certifications if you withdraw any of the principal before the maturity date.

Rates as of April 22, 2025
Term
Premier Membership Dividend Rate
Premier Membership APY1
General Membership Dividend Rate
General Membership APY1
Term
6 month
Premier Membership Dividend Rate
0.700%
Premier Membership APY1
0.702%
General Membership Dividend Rate
0.500%
General Membership APY1
0.501%
Term
12 month
Premier Membership Dividend Rate
0.900%
Premier Membership APY1
0.904%
General Membership Dividend Rate
0.700%
General Membership APY1
0.702%
Term
18 month
Premier Membership Dividend Rate
0.750%
Premier Membership APY1
0.753%
General Membership Dividend Rate
0.500%
General Membership APY1
0.501%
Term
24 month
Premier Membership Dividend Rate
0.900%
Premier Membership APY1
0.904%
General Membership Dividend Rate
0.650%
General Membership APY1
0.652%
Term
36 month
Premier Membership Dividend Rate
1.050%
Premier Membership APY1
1.055%
General Membership Dividend Rate
0.800%
General Membership APY1
0.803%
Term
48 month
Premier Membership Dividend Rate
1.000%
Premier Membership APY1
1.005%
General Membership Dividend Rate
0.750%
General Membership APY1
0.753%
Term
60 month
Premier Membership Dividend Rate
0.950%
Premier Membership APY1
0.954%
General Membership Dividend Rate
0.700%
General Membership APY1
0.702%
Term
9 Month Special-NEW MONEY ONLY
Premier Membership Dividend Rate
3.69%
Premier Membership APY1
3.753%
General Membership Dividend Rate
2.470%
General Membership APY1
2.498%
Term
18 Month Special-NEW MONEY ONLY
Premier Membership Dividend Rate
3.20%
Premier Membership APY1
3.247%
General Membership Dividend Rate
N/A
General Membership APY1
N/A

1 APY = Annual Percentage Yield. Rates are subject to change. Dividend rate and annual percentage yield may change at any time without notice. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day, then compounded and credited every month. Contact memberservices@finexcu.org for CD rates greater $75,000. New Money is considered funds not currently under deposit at Finex Credit Union.

An early withdrawal penalty may apply to share certifications if you withdraw any of the principal before the maturity date.

Start Saving Today

CD (Certificate of Deposit) Benefits

You've worked hard for your money, and now it's time to put your money to work for you! Grow your savings faster with a Finex Credit Union CD and earn more than if it was just hanging out in a traditional savings account!

Apply Now

Guaranteed Growth

No doubt about it, CDs are a safe, risk-free, guaranteed investment. Don't wait any longer, open your CD today and watch your money grow!
Apply Now

Easy to Open

Wherever you are, opening a CD couldn't be any easier! Open your CD online, or give us a quick call to get started today.
Apply Now

Low Minimum Deposit

You need $1,000 to start saving in a Finex Credit Union Certificate of Deposit. With terms from 6 months to 5 years, you can pick what works best!
Apply Now
It Keeps Getting Better

Additional CD Perks

Have confidence that you can reach your savings goals with our CD options! In addition to our competitive CD rates and flexible terms, Finex Credit Union CDs offer additional perks!

  • Enjoy automatic renewal.

    More convenient than ever, our CD options automatically renew or can be transferred directly into your savings account.

  • Save for anything!

    CDs are a great way to save for college, open as a gift for a loved one, and keep investing in your golden years without the risk of market conditions.
Apply Now

CDs Are Just The Beginning

If you are looking for more ways to save, Finex Credit Union can deliver!

Earn More

High Yield Savings

  • $10,000 Minimum Deposit
  • $100,000 Maximum Deposit
  • Only For Premier Members
  • Federally Insured By NCUA
Explore Option
Earn for the Future

Money Market

  • $2,500 Minimum Deposit
  • Earn Higher Rates
  • 6 Withdrawals/Transfers
  • Federally Insured By NCUA
Explore Option
Earn for Retirement

IRA

  • $1,000 Minimum Deposit
  • Choose Between Short and Long Term Options
  • Possible Tax Advantages
  • Insurance Depends On Type
Explore Option

What our members are saying...

"This is really the best bank! Great online services, CD & loan rates, ATMs up to date, always prompt with account servicing. Specifically, Elena and Kelli are top-notch and really make a difference!"
Carra S.
"Finex Credit Union has been my only bank for over 20 years. They offer outstanding service and convenience. They invest in their website and mobile app and make continuous improvements. Their employees are friendly, courteous, and knowledgeable. "
Darren S.
"Finex Credit Union is unique. The workers are reliable and friendly, they do whatever they promise to do, and do it with accuracy and in a timely manner. Honestly speaking, these guys are doing a phenomenal job. They deserve more than 5 stars. I've referred almost all my friends to join this bank. Great job, Keep it up!"
Nana P.
View All

CD Resources Just For You

Wherever you are, dive into our latest articles on saving, investing, and more!
Loud Budgeting Explained: Master Your Finances with Finex
Budgeting

Loud Budgeting Explained: Master Your Finances with Finex

What Is Loud Budgeting? There is a new technique being used today called loud budgeting that allows you to take a proactive and ...

Read More
Reach Your 52-Week Money Challenge Goal with these 5 Ways to Make Extra Cash
Budgeting

Reach Your 52-Week Money Challenge Goal with these 5 Ways to Make Extra Cash

By now you’ve probably heard all about the popular 52-Week Money Challenge that has everyone motivated to stash their extra dough to ...

Read More
Here’s Why Budgeting in Your 20s is Important and How to Get Started Today!
Personal Finance

Here’s Why Budgeting in Your 20s is Important and How to Get Started Today!

While everyone is telling you in your 20s that you have your whole life ahead of you and you are young. Do not underestimate the ...

Read More
Explore Articles