Certificates

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Special: 11-Month Certificate
earn 0.75% APY

Get a guaranteed return with peace of mind.

Our Certificates of Deposit (CDs), range from 3 months to 60 months, offering a fixed rate of return and the assurance your money is safe.


You'll benefit from:

  • Higher, guaranteed rates of return
  • An even higher rate of return when you qualify for Rewards Rates1
  • Peace of mind you don’t get from riskier investments
  • Accounts that are federally insured

 

Looking for an IRA or Roth IRA? IRA certificates are also available.2

Opening an account is easy:

#1 icon

Login

Log in to Online Banking.

#2 icon

Fund

The minimum balance required to open a Certificate account is $500. The funds must be available in your membership at time of origination. Plan for any transfer from another financial institution ahead of time.


#3 icon

Select

Click the More icon on the left-hand side and then Open New Account. Select Open Now and follow the prompts.

View Puerto Rico Rates
View US Rates

APY = Annual Percentage Yield


Is your CD maturing? Learn how to renew or transfer here!


Looking for a safer way to save?

Take advantage of our 13-month No Penalty CD. Your funds will be secure, earning a great rate of 0.65% APY with the flexibility of withdrawing funds before maturity penalty free.

Open an Account
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  • Disclosure

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    5-month CD and 18-month CD

    Promotional rate accurate as of 8/1/2021 and subject to change. The minimum new money deposit required to open a Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. New money is defined as money not on deposit with BCU at or within 90 days prior to account opening. APY assumes that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. Withdrawals and penalties may reduce earnings.


    11-month CD

    Promotional rate accurate as of 7/1/2021. The minimum balance required to open a Certificate Account and obtain the above annual percentage yield (APY) is $500. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. Penalty may reduce earnings



    1The minimum balance required to open a Certificate Account and obtain the above annual percentage yield (APY) is $500. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. Penalty may reduce earnings. The APY is based on qualifying for the rewards rate. To qualify for a Rewards Rate Certificate Account, you must have two of the following relationships: direct deposit of at least $500 per month into a credit union checking account; at least $25,000 on deposit; or a qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates.



    2The minimum balance required to open an IRA Certificate Account and obtain the above APY is $500. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. IRA Certificate Accounts are not available in Puerto Rico.



    13-month CD

    ** Promotional rate accurate as of 11/15/2021 and subject to change. The Annual Percentage Yield (APY) assumes that dividends will remain in the account until maturity. The minimum deposit required to open a Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. APY assumes that dividends will remain in the account until maturity. You may withdraw all your money including interest earned, without any penalties, any time after the first 6 days following the date you funded your account. Withdrawals are not permitted during the first 6 days following the date your fund your account. 

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