Certificate of deposit

Being a member of OCCU has its perks, like earning higher interest on your money.

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Fund your future with a CD

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 CD 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:

3.50%

APY9 on a 7-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.

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Types of certificate accounts

OCCU’s certificate of deposit, more commonly known as CDs, accounts 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. 

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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 CD rates

We’re investing in members like you with our high-rate certificates.8

2.75%

APY8 on 24-month regular certificate

2.85%

APY8 on 36-month regular certificate

2.85%

APY8 on 48-month regular certificate

3.00%

APY8 on 60-month regular certificate

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See all certificate rates and fees.

Lock in a higher certificate 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.

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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

View rate and fee schedule

8The regular certificate account and jumbo certificate account annual percentage yields (APY) & rates are current as of 11/03/2025. 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 3.50%. Annual percentage yield (APY) accurate as of 11/03/2025. 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.

10Bump-up certificates allow you to increase your rate and add an additional deposit, up to the original principal balance, once per term.