| TERM OF CERTIFICATE | DIVIDEND RATE | APY* | MINIMUM BALANCE |
|---|---|---|---|
| 6-Month | 5.28% | 5.35% APY* | $500.00 |
| 12-Month | 5.33% | 5.40% APY* | $500.00 |
| 18-Month | 4.45% | 4.50% APY* | $500.00 |
| 24-Month | 3.96% | 4.00% APY* | $500.00 |
| 36-Month | 3.96% | 4.00% APY* | $500.00 |
| 48-Month | 3.96% | 4.00% APY* | $500.00 |
| 60-Month | 3.96% | 4.00% APY* | $500.00 |
Early withdrawals from Certificate Deposits are subject to fees and penalties that may reduce the earnings or the principal of the Term Deposit. Interest is paid semiannually. |
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Certificate Accounts
Our Certificate Accounts are great for short-term and long-term saving goals, providing you with a high-interest dividend than a basic savings account.
The benefits of a JCU Certificate Accounts include:
- Automatic certificate renewal option
- Automatic transfer option into another account (Savings, Checking, etc.)
- NCUA insured up to $250,000.00
As of September 13, 2023 the dividend rate on your deposit account is shown under the Rate column with an annual percentage yield (APY) shown under the APY column in the chart below for the corresponding certificate amount and balance.
Already a member?
Save time by applying through online banking or the mobile app under Additional Services >Open Additional Deposit Product.