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CD Rates

Consistent, Maximum Earnings

Whether you have extra money to plug in for a week or a chunk of change to sock into a long-term investment, a high-dividend Certificate provides flexible options based on your finances and lifestyle. With a minimum of $500, you can start earning with CDs ranging from seven days to five years, and your dividends are automatically reinvested back into your account until payout. Your money is also federally insured up to a minimum of $250,000 and backed by the full faith and credit of the United States Government.

O Bee Credit Union offers several secure options for your savings. One of our most popular savings products is our savings certificates, commonly referred to by banks as CDs. These accounts offer the best of both worlds when it comes to your savings. You’ll be giving your money a great chance at growth without subjecting it to the risks of investing in the stock market.
Let’s take a closer look at how certificates work and why they might be the perfect choice for you.

What is a certificate?
A certificate is an insured savings account with a fixed dividend rate and a fixed maturity date. Rates tend to be higher than those of savings accounts. Also, unlike a savings account, your money will be less accessible than when in a certificate. That means you will not be able to withdraw your funds before the maturity date without paying a penalty.

Is a certificate for everyone?
It’s important to note that your money will be tied up in the certificate, and you will not be able to access it without paying a penalty. A certificate works best for people who have a robust emergency fund and do not anticipate needing to access the funds in their certificate until its maturity date.

Why keep your money in a certificate?

Here are some of the most popular reasons people choose to open a certificate:
No risk. While nearly every investment carries some sort of risk, your money is always safe in a certificate. Each O Bee Credit Union certificate is insured by the National Credit Union Administration up to $250,000.
Higher dividend rates. Certificates offer higher yields than most savings accounts.
Locked-in rates. There’s no stressing over fluctuating national rates with a certificate. The APY is set when you open the account and is locked in until its maturity date.

If a certificate sounds like the choice for you, stop by O Bee Credit Union today to learn more.



.30% APY*


6 Months

1.56% APY*


1 Year

2.17% APY*


5 Years
*Annual Percentage Yield Effective 12/16/2019

See Account Disclosure for Details
Access a PDF brochure outlining how the NCUA federally insures your money.
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