Certificates (CDs)
Save for long-term gain
You can open a CD for as little as $1,000 and earn a higher rate than regular savings. This is ideal for future expenses such as college, weddings, retirement or big vacations.
Features:
- Dividends paid monthly
- Receive a higher rate market sensitive rate for a guaranteed period of time
- Dividends can compound on the CD or be transferred to another savings or checking
- Keeps your funds out of reach until maturity
- Automatic rollover at maturity if you choose
- Federally Insured by the NCUA
Requirements:
- Must be an ELGA Credit Union Member
- Minimum deposit of $1,000 (no maximum)
- Early redemption penalty
Certificate (CD) Calculator
How will the value of your account change over time? Use this calculator to estimate what it could be worth.
CD Rates
Learn2Save – Minimum Opening Balance: $250.00
Ages 0-25
| Months | APY | Dividend Rate |
|---|---|---|
| Learn2Save 12-Month | 2.65% | 2.62% |
| Learn2Save 24-Month | 2.75% | 2.72% |
Promotional CD – Minimum Opening Balance: $1,000.00
CD, Traditional IRA CD & Roth IRA CD Accounts
| Months | APY | Dividend Rate |
|---|---|---|
| 10-Month Promo CD | 4.00% | 3.93% |
| 10-Month Traditional IRA Promo CD | 4.00% | 3.93% |
| 10-Month Roth IRA Promo CD | 4.00% | 3.93% |
Save To Win* – Minimum Opening Balance: $25.00
| Months | APY | Dividend Rate |
|---|---|---|
| 12-Month $0.00 - $24,999.99 | 0.75% | 0.75% |
| 12-Month $25,000.00 and over | 0.10% | 0.10% |
IRA – Minimum Opening Balance: $0.00
Traditional, Roth & Coverdell ESA IRA Accounts
| Amount | APY | Dividend Rate |
|---|---|---|
| $0.00-$9,999.99 | 0.50% | 0.50% |
| $10,000.00-$49,999.99 | 0.75% | 0.75% |
| $50,000.00-$199,999.99 | 1.00% | 1.00% |
| $200,000.00-$499,999.99 | 1.25% | 1.25% |
| $500,000.00 + | 1.51% | 1.50% |
CD $1,000.00 – $29,999.99 Tier – Minimum Opening Balance: $1,000.00
CD, Traditional IRA CD & Roth IRA CD Accounts
| Months | APY | Dividend Rate |
|---|---|---|
| 3-Month | 2.05% | 2.03% |
| 6-Month | 2.60% | 2.58% |
| 9-Month | 2.62% | 2.59% |
| 12-Month | 2.65% | 2.62% |
| 18-Month | 2.70% | 2.67% |
| 24-Month | 2.75% | 2.72% |
| 36-Month | 2.85% | 2.81% |
| 48-Month | 2.95% | 2.91% |
| 60-Month | 3.15% | 3.11% |
| 72-Month | 3.20% | 3.15% |
CD $30,000.00 – 99,999.99 Tier – Minimum Opening Balance: $1,000.00
CD, Traditional IRA CD & Roth IRA CD Accounts
| Months | APY | Dividend Rate |
|---|---|---|
| 3-Month | 2.10% | 2.08% |
| 6-Month | 2.65% | 2.62% |
| 9-Month | 2.67% | 2.64% |
| 12-Month | 2.70% | 2.67% |
| 18-Month | 2.75% | 2.72% |
| 24-Month | 2.80% | 2.76% |
| 36-Month | 2.90% | 2.86% |
| 48-Month | 3.00% | 2.96% |
| 60-Month | 3.20% | 3.15% |
| 72-Month | 3.25% | 3.20% |
CD $100,000.00 – $249,999.99 Tier – Minimum Opening Balance: $1,000.00
CD, Traditional IRA CD & Roth IRA CD Accounts
| Months | APY | Dividend Rate |
|---|---|---|
| 3-Month | 2.15% | 2.13% |
| 6-Month | 2.70% | 2.67% |
| 9-Month | 2.72% | 2.69% |
| 12-Month | 2.75% | 2.72% |
| 18-Month | 2.80% | 2.76% |
| 24-Month | 2.85% | 2.81% |
| 36-Month | 2.95% | 2.91% |
| 48-Month | 3.05% | 3.01% |
| 60-Month | 3.25% | 3.20% |
| 72-Month | 3.30% | 3.25% |
CD $250,000.00 – $499,999.99 Tier – Minimum Opening Balance: $1,000.00
CD, Traditional IRA CD & Roth IRA CD Accounts
| Months | APY | Dividend Rate |
|---|---|---|
| 3-Month | 2.20% | 2.18% |
| 6-Month | 2.75% | 2.72% |
| 9-Month | 2.77% | 2.74% |
| 12-Month | 2.80% | 2.76% |
| 18-Month | 2.85% | 2.81% |
| 24-Month | 2.90% | 2.86% |
| 36-Month | 3.00% | 2.96% |
| 48-Month | 3.10% | 3.06% |
| 60-Month | 3.35% | 3.30% |
| 72-Month | 3.40% | 3.35% |
CD $500,000.00 Tier – Minimum Opening Balance: $1,000.00
CD, Traditional IRA CD & Roth IRA CD Accounts
| Months | APY | Dividend Rate |
|---|---|---|
| 3-Month | 2.25% | 2.23% |
| 6-Month | 2.80% | 2.76% |
| 9-Month | 2.82% | 2.78% |
| 12-Month | 2.85% | 2.81% |
| 18-Month | 2.90% | 2.86% |
| 24-Month | 2.95% | 2.91% |
| 36-Month | 3.05% | 3.01% |
| 48-Month | 3.15% | 3.11% |
| 60-Month | 3.45% | 3.40% |
| 72-Month | 3.51% | 3.45% |
* Members who opened their Save To Win accounts in the State of Florida, and/or who transact business primarily in branches located in the State of Florida are ineligible to win.
Minimum balance to earn dividends matches minimum opening balance except Save To Win where minimum balance to earn dividends is $0.00. Dividends compounded and credited monthly. APY = Annual Percentage Yield. For further details please see our Rate and Service Charges Disclosure.
Interested in Share Certificates?
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