Bay Area Credit Union is still pushing for an attractive interest rate for their short term and long term certificates of deposit. This money in the bank deal has the following current CD rates:

• 0.30% APY is earned for 6 month CD term
• 0.50% APY is earned for 12 month CD term
• 0.85% APY is earned for 24 month CD term
• 1.50% APY is earned for 36 month CD term
• 2.25% APY is earned for 48 month CD term
• 2.50% APY is earned for 60 month CD term

You start enjoying these highest CD rates when you make an initial deposit of $1,000 to open an account. The earnings of this money in the bank deal are compounded and credit every month. You can withdraw your dividends or deposit it to your other account. Another option is to request the credit union to mail you a check for your dividends.

This best certificate of deposit account prohibits you to make additional deposits or make changes on your account, and you will have to wait for the CD account to mature before you can deposit, withdraw, or make changes. An early withdrawal penalty may be imposed on your account if you withdraw the principal balance before the maturity date. The amount of penalty will vary on the term of your certificate of deposit.

The credit union will sent you a written notification few weeks before the account matures, this is to remind you about the maturity of the account and the given grace period for you to make changes or close the account without penalty. Take note that the dividend rates are subject to change at any time without prior notice.

Membership with Bay Area Credit Union is open to anyone who reside, work, attend church, or goes to school in the counties of Lucas, Sandusky, Wood, and Ottawa in the state of Ohio. Immediate family which includes spouse, children, parents, grandparents, siblings, or grandchildren are also eligible to join.

It seems that you need to visit the credit union’s branch near your location to apply. You need to provide government issued photo ID with your current address on it like social security card or driver’s license, deposit a minimum of $5 to open a share savings account or deposit a minimum of $50 to open a checking account.

If you have questions or concerns with regard to their certificate of deposit rates, field of membership, or requirements you may call their customer service line at 800 473-1937.

Bay Area Credit Union is headquartered in Oregon, Ohio and was opened in 1934. They have grown to have 5,401 members with $52 million in declared assets. The credit union is federally insured by the National Credit Union Association and has a charter number 63375.

Beacon Credit Union provides a money in the bank opportunity to its members with their certificates of deposit that has a competitive interest rates. The following are the list of the credit union’s current CD rates:

• 6 month CD term earns an interest rate of 0.60% APY
• 1 year CD term earns an interest rate of 0.70% APY
• 18 month CD term earns an interest rate of 0.80% APY
• 2 year CD term earns an interest rate of 1.11% APY
• 3 year CD term earns an interest rate of 1.61% APY
• 4 year CD term earns an interest rate of 2.01% APY
• 5 year CD term earns an interest rate of 2.52% APY

This best certificate of deposit requires a minimum deposit of $2,500 to open an account. Once account is opened, you are no longer allowed to make additional deposits on your account. The credit union may also imposed a penalty on your account when you withdraw the principal balance of your account. The penalty will depend on the term of your certificate of deposit.

The dividend earned on this CD account are compounded and paid monthly, quarterly, or on its maturity. You may also request to have your dividends mailed to you by check, deposit it in your savings account or checking account. Your CD account will automatically renew once it reaches its maturity. A written notification will be sent to you to remind you about the maturity date and grace period given to you. The interest rates will change anytime without prior notice.

Membership with Beacon Credit Union is open everyone who live or work in the counties of Pulaski, White, Carroll, Marshall, Fulton, Cass, Howard, Kosciusko, Miami, Wabash, Whitley, Huntington, Grant, Blackford, Madison, Steuben, DeKalb, and Allen in the state of Indiana. Immediate family are also eligible to join.

You can apply for membership by simply stopping by the credit union’s office. Do not forget to bring your social security card, driver’s license, or State ID since they will be requesting for a copy. In case your current address is not listed on those ID’s you need to submit additional documents like utility bill or credit card statement.

For more information about their field of membership, CD rates, or requirements you may contact their customer service line at 800 762-3136. Beacon Credit Union has several branches in Indiana state in the cities of Angola, Warsaw, Auburn, Wabash, Garrett, Rochester, Huntington, Plymouth, Logansport, Peru, Marion, New Haven, and N Manchester.

Beacon Credit Union is a sizable organization with 45,397 members and has over $926 million in assets. They were established in 1931. The credit union is covered by the National Credit Union Association with charter number 82791.

First Central Credit Union provides an attractive interest rate for their short term and long term certificates of deposit. The credit union has the following current CD rates:

• 0.70% APY for 6 month CD term
• 0.95% APY for 1 year CD term
• 1.35% APY for 2 year CD term
• 1.75% APY for 3 year CD term
• 2.00% APY for 4 year CD term

Aside from this, the credit union also provides the following Special Term Share Certificates:

• 1.00% APY for 13 month CD term
• 1.80% APY for 25 month CD term
• 2.00% APY for 37 month CD term
• 2.30% APY for 49 month CD term

You can earn this highest CD rates when you deposit a minimum of $1,000 to open an account. You must also maintain your principal balance on your account to earn this best interest rate and to avoid the early withdrawal penalty on your certificate of deposit account. The penalty that may be imposed on your account will depend on the term of your CD.

The dividends of this money in the bank deal may be posted on your account monthly, quarterly, or at the maturity date. You may choose to have your dividends deposited to savings account, checking account, or have it mailed to you by check. According to the credit union’s website this certificate of deposit is non-renewable. Please note that the interest rate may change any time without prior notice. Fee could reduce the earnings of your account.

Membership with First Central Credit Union to any one who lives or works in the counties of Brown and McLennan in the state of Texas. Employees and their family who belongs to one of the credit union’s select employee group are also eligible to join.

You may visit one of the credit union’s branch to apply. You are required to open a share savings account with a minimum deposit of $5. The credit union may request a copy of your valid photo identification, so make sure to bring one. Once you are a member, you will be able to enjoy the benefits that the credit union has to offer.

If you have questions with regard to this best certificate of deposit, current interest rate, field of membership, or requirements you may contact their customer service line at 254 776-9333. First Central Credit Union has several branche in Texas state in the cities of Hillsboro, Waco, and Brownwood.

First Central Credit Union has been chartered in 1937. They have 10,921 members with over $54 million in assets. The credit union is federally insured with the National Credit Union Association and has a charter number 67644.

Pacific Marine Credit Union continues to offer attractive interest rate for their certificates of deposit. The following are the list of the credit union’s current CD rates:

• 6 month CD term – 0.35% APY
• 1 year CD term – 0.70% APY
• 15 month CD term – 1.25% APY
• 2 year CD term – 1.10% APY
• 3 year CD term – 1.45% APY
• 4 year CD term – 1.80% APY
• 5 year CD term – 2.15% APY

This money in the bank deal requires a minimum deposit of $1,000 to open an account. Please remember that once you have established your certificate of deposit account, you are no longer allowed to make additional deposits or changes on your account. You can withdraw money from your CD account, but you will have to shoulder the early withdrawal penalty. The amount of penalty will depend on the term of your certificate of deposit.

The credit union will automatically renew your CD account once it reaches its maturity. You will be given enough time to think about if you still want to invest your money or not. The earnings of this CD account are compounded and paid monthly. Please note that the dividend rate of this best certificate of deposit are subject to change without prior notice.

Membership with Pacific Marine Credit Union is open to everyone who live, attend school, worship, or work in the counties of San Bernardino, Riverside, or San Diego in the state of California. Relatives and house hold members are also eligible to join.

It appears that a branch visit is required in order to apply. First, you need to complete the membership application. Then, open a share savings account with a minimum deposit of $50. Finally, submit a copy of your valid ID with your photo and current address on it like social security card, driver’s license, or passport. Additional documents like pay stub, credit card statement, or utility bill will be required if your current address is not listed on your ID.

You may want to contact their member service hotline first before visiting their office if you have questions with regard to their membership eligibility, current CD rates, or requirements at 760 430-7511. Pacific Marine Credit Union has several branches located in the cities of Barstow, Yucca Valley, Camp Pendleton, Vista, Oceanside, Twentynine Palms, San Diego, Temecula, and San Marcos in the state of California.

Pacific Marine Credit Union has been helping it members with their financial needs since 1952. They have reached 74,677 members with over $612 million in declared assets. The bank is a member of the National Credit Union Association with charter number 68494.

Denver Community Credit Union offers a competitive interest rates for their midterm and long term certificates of deposit. This money in the bank deal has the following current CD rates:

• 0.15% APY for 3 to 5 months CD
• 0.30% APY for 6 to 11 months CD
• 0.65% APY for 12 to 23 months CD
• 0.90% APY for 24 to 35 months CD
• 1.15% APY for 36 to 47 months CD
• 1.40% APY for 48 to 59 months CD
• 2.10% APY for 60 months CD

You can start enjoying these highest certificates of deposit rate when you make an initial deposit of $100 to open an account. The dividends earned are compounded and credited on your account monthly. You may request to have you dividends mailed to your via check or deposit it to your checking account or savings account.

If you decide to withdraw funds before the maturity date, be ready to shoulder the penalty that will be imposed on your account. The amount of penalty will depend on the term of your certificate of deposit. You will receive a written notification about the maturity date and the given grace period. You can make changes, additional deposits, withdraw funds on your account within the given grace period without penalty. At the maturity, your CD account will automatically renew unless the account is closed.

Membership with Denver Community Credit Union is open to persons who live, work, volunteer, retiree, worship, attend school, as well as businesses and legal entities in the city and county of Denver. Immediate family members are welcome to join.

For consumers who are eligible to join may visit the credit union’s office. You need to complete the membership application form, open a share savings account with a minimum of $25, pay a one time membership fee of $5, and submit a copy of valid photo identification like driver’s license, social security card, and passport. If you still have questions with regard to their certificate of deposit, current interest rate, field of membership, or requirements you may call their customer service line at 303 573-1170.

Denver Community Credit Union is headquartered in Denver, Colorado which was established in 1934. They are already serving over 29,000 members and has already earned over $222 million in declared assets. The credit union is registered with the National Credit Union Association with charter number 68616.

CBC Federal Credit Union offers a competitive interest rate for their mid term and long term certificates of deposit. The following are the list of the credit union’s current CD rates:

• 3 months CD earns 0.20% APY
• 6 months CD earns 0.45% APY
• 1 year CD earns 0.75% APY
• 18 months CD special earns 1.25% APY
• 2 years CD earns 1.05% APY
• 3 years CD earns 1.45% APY
• 4 years CD earns 1.70% APY
• 5 years CD earns 2.10% APY

You can start earning these top CD rates when you make an initial deposit of $500 to open an account. The earnings of this money in the bank deal are compounded and paid monthly to your account. You may also request to have your dividends deposited on your savings account, checking account, or have a check mailed to you instead. Please note that the dividend rates provided may change anytime without prior notice.

The credit union may also imposed a penalty on your account if you withdraw funds before the maturity date. The penalty will vary depending on the term of your certificate of deposit. You will be given a grace period wherein you can make additional deposit or withdraw your money without penalty. After the given grace period, your CD account will automatically renew.

Membership with CBC Federal Credit Union is open to everyone who live, work, worship, or attend school in Ventura County, California. Relatives and persons living in the same household of current members are also eligible to join. You can either apply online or visit the credit union. All you need to do is to complete their membership application form, open a share savings account which requires a minimum deposit of $100, and submit a copy of your valid ID with your picture and address showing like driver’s license or passport.

CBC Federal Credit Union has several branches located in the cities of Oxnard, Thousand Oaks, Camarillo, Point Mugu NAWC, and Port Hueneme in the state of California. For more information about their field of membership, certificate of deposit, current interest rates, or requirements you may call their member service hotline at 800 477-2890.

The credit union has been providing financial assistance to its members since 1952. They have already grown over 20,126 members with over $373 million in declared assets. CBC Federal Credit Union is federally insured with the National Credit Union Association and has a charter number 7608.

Justice Federal Credit Union has a money in the bank opportunity with their certificate of deposit which earns a very competitive interest rate. The credit union provides the following current CD rates:

• 0.45% APY for a 3 month CD
• 0.60% APY for a 6 month CD
• 1.00% APY for a 12 month CD
• 1.10% APY for a 18 month CD
• 1.20% APY for a 24 month CD
• 1.50% APY for a 36 month CD
• 1.80% APY for a 48 month CD
• 2.25% APY for a 60 month CD

If you need to withdraw money from your CD account without getting any penalty, you must only withdraw the interest that you are earning. A penalty may be imposed on your certificate of deposit if you withdraw the principal deposit before the maturity date. A CD term of 12 months or less will have a penalty worth 90 days of interest, while CD terms more than 12 months will lose 180 days of interest.

The dividends earned on this money in the bank deal are compounded and paid quarterly. The dividend maybe deposited on your savings account, checking account, or have it mail to you. A written notice will be mailed to you weeks before the maturity of your account and a 10 days grace period to give you time to decide if you still want to reinvest your money. After this, the CD account will automatically renew. Take note that the interest rate may change anytime without prior notice.

Membership with Justice Federal Credit Union is based on employment, if you belong to one of the credit union’s select employee group or if you belong to certain law enforcement organization. You may visit the credit union’s website to check the list of the SEG and organizations in the membership eligibility page. Immediate family which includes children, spouse, siblings, parents, grandparents, or grandchildren are also eligible to join.

To join, you just need to print and complete the membership application form. You can fax it or bring the application to the credit union’s office. You must also open a share savings account which requires a minimum deposit of $5, and provide a copy of your valid picture ID like driver’s license or passport.

If you need assistance with regard to applying for membership or if you have questions on their account specifics, current interest rate, or requirements their member service representatives is available to help you by simply calling their toll free number thru 800 550-5328. Justice Federal Credit Union has branches located in California, West Virginia, District of Columbia, Virginia, New York, and Texas state.

Justice Federal Credit Union was first opened in 1935 and is headquartered in Chantilly, Virginia. They have grown to have 50,819 members with over $528 million in declared assets. The credit union is registered with the National Credit Union Association and has a charter number 151.

One Source Federal Credit Union is offering an attractive interest rate for their short term and long term certificates of deposit. The credit union has the following current CD rates:

• 0.35% APY for a 3 month CD
• 0.65% APY for a 6 month CD
• 1.00% APY for a 12 month CD
• 1.21% APY for a 18 month CD
• 1.31% APY for a 24 month CD
• 2.07% APY for a 36 month CD
• 2.17% APY for a 48 month CD
• 2.78% APY for a 60 month CD

Individuals who want to earn this highest certificate of deposit rates may deposit a minimum of $500 for CD terms starting 3 months to 36 months. And a minimum opening deposit of $1,000 for 48 to 60 months CD terms. The earnings of this best certificate of deposit account are compounded and paid monthly. You may choose to have your dividends deposited on to your savings account or checking account. You may also request to have your dividends mailed to you via check.

This best certificate of deposit automatically renews once it mature, you will receive a written notification by mail informing you about the maturity date and the grace period given to you by the credit union. The 7 days grace period given to you will give you enough time to decide if you still want to continue renewing your account or closed it instead without worrying of any penalty that may be charged on the account.

The credit union may imposed a penalty on your certificate of deposit account if you withdrawal funds before the maturity date. The amount of penalty will depend on the term of your certificate of deposit and amount of withdrawal made on the account. Please take note that the dividend rates may change any time without prior notice. You may ask the bank for their latest CD rates before opening an account.

Individuals who want to become a member of One Source Federal Credit Union must be residing, working, worshiping, or going to school in El Paso, Texas or Las Cruces, New Mexico. Household members and Immediate family which includes spouse, children, parents, siblings, grandchildren, and grandparents are also eligible to join.

It appears that a branch visit is required in order to apply for membership. You just need to complete their membership application form, open a share savings account which needs a minimum deposit of $10, pay $2 for their one time membership fee, and finally submit a copy of your valid ID with your picture and current address showing like social security card, passport, or driver’s license. In case your current address is not showing on those ID’s that you will be submitting then you can also submit an additional document like pay stub or utility bill.

Once you become a member of One Source Federal Credit Union, you can start enjoying the benefits that they provide like free online banking with bill pay, free electronic bank statement, and free telephone banking. To get more information about their certificate of deposit, field of membership, current interest rates, or requirements you may call customer service at 915 592-0223 or 915 532-0100. One Source Federal Credit Union has 2 branches in El Paso, Texas and 1 branch in Las Cruces, New Mexico.

One Source Federal Credit Union has been assisting its members with their financial needs since 1937. Currently, they have grown to have over $86 million in assets with over 10,000 members. The credit union is insured with the National Credit Union Association and has a charter number 2115.

Pentagon Federal Credit Union is still pushing for a competitive interest rate for their certificates of deposit called Money Market Certificate. This money in the bank deal has the following current CD rates:

• 6 months        0.40% APY
• 12 months      0.90% APY
• 24 months      0.99% APY
• 36 months      1.25% APY
• 48 months      1.74% APY
• 60 months      2.00% APY
• 84 months      2.50% APY

You can earn these highest CD rates when you make an initial deposit of $1,000 to open an account. Once account is opened, you are no longer allowed to make additional deposits on your account. You can withdraw funds, but there will be a penalty imposed on your account. The penalty for 6 months CD term is equivalent to 90 days of interest, for CD terms greater than 6 months to 4 years will result to a penalty worth 180 days of interest. Finally, for 5 and 7 years CD term the penalty is equivalent to 365 days worth of interest.

This best certificate of deposit account will automatically renew at maturity unless you decide to change you options via online or written instructions. You will be given a grace period for you to have time to decide if you still want to renew your account or not and you will not receive any penalty charge on whatever decision you make within that time frame.

The credit union lets you choose whether your certificate of deposit interest is paid monthly or at maturity. There are several payment options that you can choose from in receiving your dividends like:

• deposit your dividends to your certificate of deposit account
• transfer your dividends to your checking account, regular share account, or money market savings account
• have your dividends sent to you in a form of check

If you your are not yet a member of Pentagon Federal Credit Union, you may first visit their website to check their membership eligibility. Membership is open to any one who works in one of the credit union’s select employee groups or if you belong to one of their geographical location or military installation. Employees and volunteers of American Red Cross , if you are a government employee or United States Military then you are also eligible to join. In case you still do not qualify, you may join the National Military Family Association which will require a one time membership fee of $20 or you may also join the Voices for America’s Troops which requires a $15 joining fee.

You may choose to apply online, over the phone, or in person. You will also be asked to provide a copy of your valid photo ID and open a share savings account which will require a minimum deposit of $5. If you still have questions with regard to their field of membership, certificate of deposit rates, or requirements you may call the member service line at 800 247-5626. Pentagon Federal Credit Union has several branches in District of Columbia, Hawaii, North Carolina, Maryland, New York, Texas, Oregon, Virginia Guam, and Puerto Rico.

Pentagon Federal Credit Union was federally chartered in 1935. They have grown to have over 1 million members with over $15 billion in declared assets. The credit union is also a member of the National Credit Union Association and has a certificate number 227.

Stevenson Federal Credit Union provides a money in the bank opportunity with their certificates of deposit which has a very competitive interest rates. The credit union has the following current CD rates:

• 6 months        0.75% APY
• 12 months      1.00% APY
• 24 months      1.36% APY
• 30 months      1.51% APY
• 36 months      1.76% APY
• 60 months      2.68% APY

This money in the bank deal requires a minimum deposit of $500 to open an account. Take note that once certificate of deposit account is established, you are no longer allowed to make additional deposits or make change on your account. A penalty may also be imposed on your account if you make an early withdrawal. The penalty of your CD account will depend on the term and amount of withdrawal made.

The dividends earned on your certificate of deposit are compounded and paid monthly. The dividend may be deposited on your other account like savings account or checking account, you may also request to have your dividends mail to you via check. Please note that the interest rates showing may change once account is opened, you may contact the credit union first and check for their latest CD rates.

The credit union may renew your certificate of deposit account once it matures. You will be given enough time to decide if you still want to renew your account or just withdraw you money without penalty. You can also use the credit union’s free online banking to check the activities of your account, make bill payments, or view you monthly statements electronically. In case you do not have an internet, you may also use their free phone banking in managing you certificate of deposit.

Membership with Stevenson Federal Credit Union is open to individuals who live worship, work, or attend school in Jackson County, Alabama. Immediate family and household members are also eligible to join. You can apply, by simple visiting the credit union’s office. You must complete the membership application form and open a share savings account which requires a minimum deposit of $25. You must maintain this balance on your account so that your membership will not be forfeited. You also need to submit a valid picture identification as part of the requirements.

You may contact the credit union’s member service line if you still have questions with regard to their field of membership, account specifics, current interest rates, or requirements at 256 437-2181.

Stevenson Federal Credit Union is headquartered in Stevenson, Alabam and was established in 1947. All deposit accounts with the credit union is insured of up to $250,000 with the National Credit Union Association and they have a charter number 5445.

SPCO Credit Union is pushing for their certificates of deposit which has a very competitive interest rates. The credit union has the following current interest rates for their certificates of deposit:

$1,000 to $49,999

• 6 month CD term      0.55% APY
• 1 year CD term          0.62% APY
• 2 year CD term          1.00% APY
• 3 year CD term          1.76% APY
• 4 year CD term          2.02% APY
• 5 year CD term          2.48% APY

$50,000 and above

• 6 month CD term      0.60% APY
• 1 year CD term          0.72% APY
• 2 year CD term          1.17% APY
• 3 year CD term          1.97% APY
• 4 year CD term          2.32% APY
• 5 year CD term          2.77% APY

All certificates of deposit requires a minimum deposit of $1,000 to open an account. You need to maintain an average daily balance of $1,000 to earn this top CD rates. The credit union may impose a penalty on your account if you withdraw funds before the maturity date. The amount of penalty may vary on the CD term and amount of withdrawal made.

The credit union will automatically renew your certificate of deposit once it matures. You will be notified weeks before the maturity. You will also be given a 7 days grace period to deposit funds, make changes on your account, or close the account without penalty. The dividends earned on your certificate of deposit are compounded and paid monthly. You may choose to have your interest deposited on your other account or be mailed to you via check. Please note that the dividend rates may change any time without prior notice.

Membership with SPCO Credit Union is open to employees and their immediate family working for Union Pacific Railroad or any employee or companies located in Harris County, Texas. Persons who live, work, attend school, or worship within 10 miles radius of both of the credit unions office are also eligible to join.

You need to visit the credit union’s office to apply. You will be asked to submit a copy of your valid picture ID and a check worth $25 which will be used to open a share savings account as part of their membership requirement. For more information about their field of membership, certificate of deposit rates, or requirements, you may contact their member service line at 713-455-8586. SPCO Credit Union has 2 branches located in Houston, Texas.

SPCO Credit Union has been providing financial services to its members since 1968. Currently, they have grown to have 7,357 members with over $31 million in declared assets. The credit union is an NCUA member and has a charter number 61438.

Merrimack Valley Federal Credit Union invites its members to take advantage of their certificate of deposit which has a very competitive interest rate. The following are the list of the credit union’s current CD rates:

• 3 months        0.25% APY
• 6 months        0.50% APY
• 12 months      1.00% APY
• 15 months      1.00% APY
• 18 months      1.25% APY
• 24 months      1.50% APY
• 30 months      1.50% APY
• 36 months      2.00% APY
• 48 months      2.00% APY
• 60 months      2.50% APY

You can start earning these top certificate of deposit rates when you deposit a minimum of $500 to open an account. Please remember that once you have established your account, you will no longer be allowed to make changes or make a deposit. In case you need to make a withdrawal, you will have to shoulder an early withdrawal fee that will be charged on your account. The amount of penalty will vary on the term of your certificate of deposit.

This best certificate of deposit account will automatically renew once it matures. A written notification from the credit union will be sent to you few weeks before the maturity date. You will also be given a grace period so that you can make changes on your account or withdraw your money without penalty. Take note that the dividend rates are subject to change any time without notice. Fees may also reduce the earnings of your account.

Membership with Merrimack Valley Federal Credit Union is open to anyone who lives, works, goes to school in, or worships in the followings states and counties:

Massachusetts State

counties of Andover, West Newbury, Amesbury, Tewksbury, Boxford, Salisbury, Dracut, Rowley, Georgetown, North Andover, Groveland, Newburyport, Haverhill, Newbury, Lawrence, Methuen, Lowell, and Merrimack

New Hampshire State

counties of Atkinson, Windham, Brentwood, South Hampton, Chester, Seabrook, Danville, Sandown, Derry, Salem, East Kingston, Plaistow, Exeter, Newton, Fremont, Londonderry, Hampstead, Kingston, Hampton, Kensington, and Hampton Falls

It appears that a branch visit is required to apply for membership. You will need to open a share savings account which requires an initial deposit of only $5. You will be ask to submit a xerox copy of your valid picture identification like passport or driver’s license. If you still have questions about their field of membership, current interest rates, or account specifics you may contact their customer service line at 800-356-0067. Merrimack Valley Federal Credit Union has 4 branches in Massachusetts state in the cities of Lawrence, Haverhill, and Methuen and 1 branch in Plaistow, New Hampshire.

Merrimack Valley Federal Credit Union was first opened in 1955. Currently, they have been considered to be one of the largest credit union in the state of Massachusetts and has grown to have 42,999 members and over $434 million in declared assets. The credit union is federally chartered by the National Credit Union Association and has a charter number 10066.

Afena Federal Credit Union continues to provide attractive interest rate for their certificates of deposit. The credit union has the following current CD rates:

• 3 months        0.05% APY
• 6 months        0.15% APY
• 12 months      0.30% APY
• 18 months      0.40% APY
• 24 months      1.15% APY
• 30 months      1.46% APY
• 36 months      1.71% APY
• 48 months      2.27% APY
• 60 months      2.52% APY

These top certificate of deposit rates can be earned if you make an initial deposit of $500 to open an account. Once account is opened you will no longer be allowed to make additional deposit, you will have to wait for the account to mature before you can make deposits or changes on your account. You can make withdrawals on your CD account, but there will be an early withdrawal fee charged. The amount of the penalty will depend on the term of your certificate of deposit.

Your certificate of deposit account automatically renews once it reaches its maturity date. A grace period will be given to you to give you enough time to decide if you still want to renew your account or withdraw your money without being charge of any penalty. The earnings of this money in the bank deal are subject to change without prior notice.

Membership with Afena Federal Credit Union is open to individuals who live work, or worship in the counties of Wabash or Grant in the state of Indiana. Immediate family member or someone living in the same household are also eligible to join.
You may visit the credit union’s branch and apply. You need to bring your valid photo identification and you must open a share savings account which has a minimum deposit of $150.

If you’re unsure whether you qualify for membership or if you have questions with regard to their certificate of deposit account and current interest rates you may call their customer service at 765 664-8089. Afena Federal Credit Union has 2 locations in Indiana state in the city of Marion.

Afena Federal Credit Union was opened in 1958. All deposit accounts with the credit union are insured of up to $250,000 with the National Credit Union Association and they have a charter number 12153.

Menominee County Federal Credit Union headquartered in Powers, Michigan offers a competitive interest rate for their short term and long term certificates of deposit. The credit union has the following current CD rates:

• 12 months      1.10% APY
• 24 months      1.71% APY
• 36 months      2.02% APY
• 48 months      2.33% APY

You can earn these top certificate of deposit rates when you make an initial deposit of $500 to open an account. Aside from this regular CD account, the credit union also has a 6 months term CD special that earns an interest rate of 1.00% APY. This special certificate of deposit requires a minimum deposit of $2,000 to open an account. Finally, they also offer a competitive interest rate for their Jumbo CD. An interest rate of 2.58% APY which has a CD term of 5 years and this requires a minimum deposit of $10,000 to open an account.

The earnings of this money in the bank deal are compounded and credit monthly on your account, on your other deposit accounts, or be mailed to upon request. The credit union may also imposed a penalty on your account if you make an early withdrawal. The penalty may vary to the amount of withdrawal made and to the term of your certificate of deposit.

The certificate of deposit accounts will automatically renew upon maturity. A written notification will be given to you at least a month before it matures to give you a heads up. You will also be given a grace period to withdraw funds or make changes on your account without penalty. Please note that the dividend rates are subject to change without prior notice.

Membership with Menominee County Federal Credit Union is open to anyone who lives or works in Menominee county in the state of Michigan. Immediate family which includes spouse, children, siblings, parents, grandparents, and grandchildren are also eligible to join.

You need to visit the credit union’s office to apply for membership. You will be required to deposit a minimum of $5 to open a share savings account. You also need to provide a copy of your valid ID like driver’s license or passport. If you still have questions with regard to their certificate of deposit account, current interest rates, or field of membership you may contact them at 906-497-5229. Menominee County Federal Credit Union has a total of 4 branches located in the cities of Menominee, Stephenson, Carney, and Powers in the state of Michigan.

Menominee County Federal Credit Union was established in 1948. Currently, they have grown to have 10,005 members with over $79 million in declared asset. All deposit accounts with the credit union are insured of up to $250,000 with the National Credit Union Association and has a charter number 5748.

Department of Commerce Federal Credit Union is still pushing for their certificates of deposit which has an attractive interest rate. The following are the list of the credit union’s current CD rates:

• 6 to 11 months        0.80% APY
• 12 to 17 months      1.15% APY
• 18 to 23 months      1.45% APY
• 24 to 35 months      1.65% APY
• 36 to 47 months      2.05% APY
• 48 to 59 months      2.50% APY
• 60 to 84 months      2.80% APY

You can take advantage of top CD rates when you deposit a minimum of $500 to open an account. The dividends earned are compounded and credited on your account monthly. You may choose to have your dividends deposited to your other account with the credit union or mail it to you by check.

In case you withdraw money from your CD account before the maturity date, be ready to shoulder the penalty which will be imposed on your account. The amount of penalty will depend on the term of your certificate of deposit. This CD account will automatically renew once it reaches its maturity. You do not have to worry since you will be given a 10 days grace period to decide if you still want to renew the account or just close it without getting any penalties.

Individuals who wants to become a member of Department of Commerce Federal Credit Union must live, work, attend school, or worship in Washington, D.C. If you are an employee, retiree, annuitant, or pensioner of the Department of Commerce or National Oceanic & Atmosphere Administrator then you are also eligible to join.

You may contact the credit union or visit one of their branches to apply for membership. All you need to bring is a copy of your valid photo identification like driver’s license, social security card, or passport and $5 which will be deposited on your new share savings account as part of their membership requirements. For more information about their membership eligibility or current CD rates you may contact the credit union at 202 482-4134 or 888 626-9845.

Department of Commerce Federal Credit Union is headquartered in Washington, D.C. and has been assisting its members with their financial services since 1964. Currently, they have 14,730 members with over $259 million in declared assets. The credit union has an NCUA charter number 16410.

Caprock Federal Credit Union is offering the best interest rate for their certificate of deposit account. The following are the credit union’s current CD rates:

• 6 months        1.04% APY
• 12 months      1.256% APY
• 18 months      1.407% APY
• 24 months      1.762% APY
• 36 months      2.269% APY
• 60 months      2.990% APY

You can start earning these highest CD rates when you open an account and deposit a minimum of $1,000. Please be reminded that once you have established your certificate of deposit account you are no longer allowed to make additional deposits. The only time that you can deposit funds and make changes on your account is when you have reached the maturity date. You will be given 7 days grace period to process this.

The credit union may also imposed a penalty on your account if you withdraw funds before the maturity date. The penalty will vary on the term of your certificate of deposit. For instance, if your CD term is from 6 to 11 months then the penalty is equivalent to 90 days worth of interest. For CD terms of 12 to 23 months then the penalty is equivalent to 180 days of interest. Finally, if your CD term is from 24 to 60 months then the penalty is equivalent to 365 days of interest.

This best certificate of deposit account also offers a 2 bump up rates for their 5 years term. The earnings of this money in the bank deal are compounded and credited monthly. Please keep in mind that the interest rate of this certificate of deposit is subject to change without prior notice.

Membership with Caprock Federal Credit Union is open to employees, volunteer civil defense workers, elected and appointed officials, and volunteer firemen located in the counties of Dawson, Gaines, Borden, Garza, and Lynn in the state of Texas. Employees who work in the cities of Lamesa and Seminole are also eligible. You may also check the list of the credit union’s select employee group by visiting their website. In addition, retirees, pensioners, annuitants, and relatives of persons who worked for the qualifying companies and organizations are also eligible to join.

You may visit one of the credit union’s office to apply. They are located in the cities of Seminole and Lamesa in the state of Texas. You may contact their customer service line if you still have questions about their certificate of deposit, field of membership, or requirements at 800-658-2715.

Caprock Federal Credit Union has been operating since 1965. They are a member of the National Credit Union Association and it has a charter number of 16813.

Leominster Credit Union still offers attractive interest rate for short term and long term certificates of deposit. The credit union has the following current CD rates:

• 3 months        0.45% APY
• 6 months        0.50% APY
• 12 months      0.75% APY
• 18 months      1.00% APY
• 24 months      1.25% APY
• 30 months      1.30% APY
• 48 months      1.95% APY
• 60 months      2.25% APY

You can start earning these highest CD rates when you deposit a minimum of $1,000 to open an account. You also need to maintain an average daily balance of $1,000 to avoid the $5 monthly service fee and to earn this best certificate of deposit rates.

Aside from these best certificate of deposit rates, the credit union also offers a 3 years term CD special which lets you earn an interest rate of 2.00% APY. This CD special also requires you to deposit and maintain a minimum balance of $1,000 to open an account and earn this best interest rate.

The credit union may imposed a penalty if you withdraw funds before the maturity date. The amount of the early withdrawal fee that may be charge on your account will depend on the term of your certificate of deposit. You will also be notified by the credit union weeks before your CD account matures, to give you enough time to make changes or withdraw your money without being charge of any penalty.

Membership with Leominster Credit Union is open to anyone who live, attend school, work, or worship in the counties of Hampshire, Worcester, Franklin, Middlesex, Hampden, or Norfolk in the state of Massachusetts. Relatives of existing members are also eligible to join.

It seems that a branch visit is required to apply for membership. You are required to open a share savings account with a minimum deposit of $25. You must also maintain this balance on your account to avoid termination of your membership. You also need to submit a copy of your valid photo identification like passport, driver’s license, or state issued ID.

For more information about the credit union’s field of membership, certificate of deposit account specifics, or requirements you may call their member service line at 800 649-4646. Leominster Credit Union has several branches in Massachusetts state in the cities of Worcester, Holden, Sterling, Leominster, and Clinton.

Leominster Credit Union has been serving its members since 1954. They have around 50,829 members with over $615 million in declared assets. The credit union is insured with the National Credit Union Association and has a charter number 66699.

Actors Federal Credit Union offers a competitive interest rate for their certificate of deposit. The following are the list of the credit union’s current CD rates:

• 6 months        0.55% APY
• 12 months      0.65% APY
• 24 months      1.00% APY
• 36 months      1.40% APY
• 60 months      2.40% APY

This money in the bank deal requires an initial deposit of only $500 to open an account. Please note that once your CD account has been established you will no longer be allowed to make additional deposits or make change on your account. The credit union also charges a penalty when you withdraw money from your account before the maturity date. The amount of early withdrawal fee that will be charge on your account will depend on the term of your certificate of deposit.

You will receive a written notification weeks before your certificate of deposit account matures. You will also be given a grace for you to have enough time to make changes on your account or withdraw your money without penalty. The interest rates listed above is subject to change without prior notice.

Individuals who are interested to earn this best certificate of deposit rate needs to be a member of the credit union. You must be employed to one of their select employee groups. The list of the companies and organizations can be found on the credit union’s website. Immediate family which includes spouse, children, siblings, parents, grandparents, and grandchildren are also eligible to join.

You may download the membership application form online. You also need to bring the following requirements when applying like proof of organization affiliation or union, copy of valid picture ID (driver’s license or passport), social security number, proof of address (utility bill), and a minimum deposit of $100 on your new share savings account.

If you have questions or concerns with regard to their certificate of deposit, current interest rates, or membership eligibility you may contact their Member Services at 800-222-8677. Actors Federal Credit Union has several branches located in the state of New York, Illinois, and California.

Actors Federal Credit Union was established in 1962. They have 19,503 members with over $142 million in declared assets. The credit union is registered under the National Credit Union Association and has a charter number 15358.

Our Community Credit Union invites its members to take advantage of their high interest certificate of deposit. This money in the bank deal has the following current CD rates:

• 6 months        1.04% APY
• 12 months      1.20% APY
• 24 months      1.50% APY
• 36 months      2.00% APY
• 48 months      2.15% APY

You need to make an initial deposit of $1,000 to open an account. Once you have established your certificate of deposit account, you will no longer be allowed to make additional deposits nor make change on your account. You will be notified by the credit union about the grace period so that you can make changes on your account with being charged of any penalty. After this, the CD account will automatically renew.

This best certificate of deposit account may imposed a penalty if you make a withdrawal before the maturity date. For instance, if your CD term is 1 year or less the penalty is equivalent to 60 days of penalty. While for CD account with a term of 2 years or more the penalty will be equivalent to 180 days worth of interest.

For certificate of deposit account with the term of 2 years or less are eligible for a 1 time rate bump, this also includes 3 years CD term opened prior to January 1, 2012. The dividend rate earned is compounded and paid monthly. You may choose to have your dividends deposited onto your other savings account or be sent to you by mail. Take note that the interest rate may change anytime without prior notice.

Consumers who want to become a member of Our Community Credit Union must live, work, or attend school in the state of Washington. Immediate family of current members are also eligible to join. You may also visit the credit union’s website to check for their field of membership.

You may choose to mail your application or visit the credit union’s office to apply for membership and open an account. You are required to open a share savings account with a minimum deposit of $25. You also need to submit a xerox copy of your valid picture identification like social security card, driver’s license, or passport. If your current address does not show on your identification, then you may submit a copy of your utility bill or other identifying documents with your current address on it.

For additional questions about their certificate of deposit, current interest rate, membership eligibility, or requirements you may call their customer service line at 800-426-5657. Our Community Credit Union has branches located in the cities of McCleary, Shelton, Union, Montesano, or Elma in the state of Washington.

Our Community Credit Union has been providing financial services to its members since 1941. They have 23,173 members with over $235 million in declared assets. The credit union has an NCUA charter number 68609.

Miami Postal Service Credit Union still provides a competitive interest rates for their certificates of deposit. The credit union has the following current CD rates:

• 6 months        0.55% APY
• 9 months        0.75% APY
• 12 months      0.75% APY
• 18 months      0.75% APY
• 24 months      1.00% APY
• 36 months      1.41% APY
• 60 months      2.02% APY

This money in the bank deal requires a minimum of $1,000 to open an account and earn these best interest rates. All certificate of deposit account’s earnings are compounded and paid quarterly. The credit union may imposed a penalty on your account when you withdraw funds before the maturity date. The amount of penalty depends on the term of your certificate of deposit.

The credit union will be issuing a written notification weeks before the account matures. You will also be informed about the grace period that will be given to you so that you can make changes or withdraw funds on your account without penalty.

Aside from these regular CD rates, the credit union also offers a competitive interest rate with their 9 month Jumbo CD with an interest rate of 1.00% APY which requires a minimum balance of $5,000 and 9 month term Super Jumbo CD with an interest rate of 1.26% APY which requires a minimum balance of $25,000. Please note that the dividend rates are subject to change anytime without prior notice.

Membership with Miami Postal Service Credit Union is open to everyone who lives, worships, works, attend school within a 15 mile radius of the 3 credit union branches which is starting from Homestead and Leisure City to Tamarac and Wilton Manors City. Employees or retirees of the Federal Government and postal service are also eligible to join. Plus businesses in Broward and Miami Dade Counties are eligible as well.

Eligible individuals who want to apply may complete and print the application online, notarized the application form, include an initial deposit of $5 for your share savings account, and provide a copy of a government issued ID. Then submit documents to the credit union by visiting one of their branches.

To find out more about their certificate of deposit rates, membership eligibility, and requirements you may call the credit union’s Business Development Specialist at 786-369-7254 or 800-782-3630. Miami Postal Service Credit Union has branches located in the cities of Miami, Hialeah, and Pinecrest in the state of Florida.

Miami Postal Service Credit Union was established in 1991. They are considered as one of the largest credit union in the state of Florida and has reached 13,702 members with over $116 million in declared assets. The credit union is insured with the National Credit Union Association and has a charter number 67330.