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Certificate Accounts

Good things come to those who wait. With a credit union Certificate, you can relax while watching your money grow in a smart, safe way.

Open a Certificate Now VIEW RATES
  • Enjoy the peace of mind of a guaranteed return at the maturity date
  • Earn higher dividends than a standard savings account
  • Rest assured knowing that your savings are insured by NCUA up to $250,000.
  • Flexible terms to fit your needs, from 6 months to 5 years

How certificate accounts work

A Certificate is like a promise.

You agree to leave your money untouched for a certain amount of time or a “term”. In return, we’ll give you a higher dividend rate.

Once your term is over, you can take your money out, or decide to reinvest it.

Important details about our credit union Certificate:

  • You’ll earn a higher APY (Annual Percentage Yield) than with other savings options
  • Your return is guaranteed at the end of the term
  • Your funds are federally insured up to $250K
  • You can open a Certificate with a minimum of $500, or $250 if you’re under 25
  • There are flexible terms, from 6 months to 5 years
  • You’ll earn dividends monthly
  • There may be penalty fees for early withdrawal

Reward the future you by saving up now with a safe and smart investment. The more you save, and the longer your term is, the more your money will grow!

Open a Certificate Today

CDs & IRA Rates

TermAnnual Dividend Rate*APY**
6 mos.4.85%4.95%
12 mos.5.25%5.37%
18 mos.5.00%5.11%
24 mos.4.75%4.85%
30 mos.4.40%4.48%
36 mos.4.35%4.43%
48 mos.4.30%4.38%
60 mos.4.50%4.59%
*Regulations prohibit payment in excess of available earnings. Penalty required for early withdrawal. Rates accurate since 02/23/24. Terms and rates are subject to change without notice. Fees may reduce earnings.

**APY = Annual Percentage Yield. A minimum deposit of $500 ($250 for Youth CD - 25 or younger) is required to open a CD. Rates are accurate since 02/23/24. Dividends are calculated by the actual daily balance method which applies a daily periodic rate to the balance in the CD each day. The Dividend Rate and APY at time of purchase are fixed and will be in effect for the term of the CD. Fees may reduce earnings. Terms and rates are subject to change without notice. For rates and fees, see our Rate and Fee Schedule.


Opening a Certificate Account is as easy as 1, 2, 3


Determine Your Opening Deposit & Term

Choose how much you want to invest in your certificate and your preferred term.


Complete Your Online Application

Easily open your Certificate account using Online or Mobile banking.


Start Earning!

Enjoy earning dividends and interest every month in a safe and smart way.

Ready to open your CD?


“Freedom Member Services is always professional, quick-thinking, delightfully positive and reassuring. Their expertise solved my problem and made me feel grateful to be with the Credit Union!”

Certificates of Deposit FAQ

  • A certificate of deposit, also known as CD, is a type of deposit account that offers higher rates and dividends than regular savings accounts.

    You deposit a determined amount of funds in your account for a set period of time, called term. You agree to leave your money untouched for the duration of the term. In return, we’ll give you a higher rate. At the end of your chosen term, you’ll receive your funds plus the interest earned during the length of your certificate.

  • Yes. Returns in certificates of deposit are guaranteed, plus your funds are NCUA insured up to $250,000.

  • Yes, you need to become a member to enjoy our certificate of deposit offers. Members can open Certificate Accounts in online and mobile banking, or by phone or at an Access Center. To become a member, you can simply open a savings account with a minimum balance of $5.

  • Anyone who lives, works, worships, performs volunteer service, or attends school in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties is eligible for Membership.

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