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4.8 (896 Reviews)

Earn 4.33% APY* with our 12-Month CD Special

Put your savings to work with a competitive 12-month CD rate from Finex Credit Union.

4.25% Rate | 4.33% APY*

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Explore all Finex CD Rates

1 APY = Annual Percentage Yield. Minimum deposit of $1,000 required to open the certificate. 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. Fees may reduce earnings. New Money is considered funds not currently under deposit at Finex Credit Union.

Upon maturity, you will receive notification from Finex and will have 10 calendar days to decide on how you would like to reinvest your funds. An early withdrawal penalty may apply to share certifications if you withdraw any of the principal before the maturity date. A penalty may be imposed for early withdrawal. Fees may reduce earnings.

Rates as of September 1, 2026
Term
Member Dividend Rate
Member Dividend APY
Term
FEATURED: 12-MONTH CD SPECIAL
Member Dividend Rate
4.25%
Member Dividend APY
4.33%
Term
36 month
Member Dividend Rate
1.000%
Member Dividend APY
1.005%
Term
24 month
Member Dividend Rate
0.900%
Member Dividend APY
0.904%
Term
18 month
Member Dividend Rate
0.850%
Member Dividend APY
0.853%
Term
6 month
Member Dividend Rate
0.600%
Member Dividend APY
0.602%
Term
60 month
Member Dividend Rate
1.100%
Member Dividend APY
0.904
Term
48 month
Member Dividend Rate
1.000%
Member Dividend APY
1.106%
Term
12 month
Member Dividend Rate
0.850%
Member Dividend APY
0.853%
Term
18 Month Special-NEW MONEY ONLY
Member Dividend Rate
3.20%
Member Dividend APY
3.247%
Term
9 Month Special-NEW MONEY ONLY
Member Dividend Rate
3.40%
Member Dividend APY
3.453%

1 APY = Annual Percentage Yield. Minimum deposit of $1,000 required to open the certificate. 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. Fees may reduce earnings. New Money is considered funds not currently under deposit at Finex Credit Union.

Upon maturity, you will receive notification from Finex and will have 10 calendar days to decide on how you would like to reinvest your funds. An early withdrawal penalty may apply to share certifications if you withdraw any of the principal before the maturity date. A penalty may be imposed for early withdrawal. Fees may reduce earnings.

Calculate How Much you Can Earn With A Finex CD!

Calculate How Much You Can Earn With A Finex CD!

Discover Unbeatable CD Rates at Finex!

Earn an impressive rate with our CD terms and watch your savings soar in record time!
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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!

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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!
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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.
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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!
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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.
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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
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Earn for the Future

Money Market

  • $2,500 Minimum Deposit
  • Earn Higher Rates
  • 6 Withdrawals/Transfers
  • Federally Insured By NCUA
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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.
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