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Certificates of Deposit

To open a new Certificate of Deposit account click on the button below that applies to you to complete the application.

If you're already an Accentra member but you're not currently enrolled in online banking, please contact us.

Accentra Certificate Accounts provide members with a guaranteed rate of return on insured investments over a fixed period of time. With a range of terms and minimum opening deposits there’s an option for everyone.

Certificate Accounts:

3- to 60-month terms
Minimum opening deposit as low as $10.00
No fees or service charges
Funds are Federally insured by the National Credit Union Administration (NCUA)

At maturity you can:

Automatically renew principal and dividends for the same term at the current rate at the time of renewal
Withdraw your dividend earnings and renew principal
Reinvest the certificate in a different investment
Cash in the entire certificate (if you withdraw funds from the certificate early there is a penalty)

Effective September 1st, 2023

Certificate Accounts
Term	Rate	APY*	Interest Compounded	Minimum Opening Deposit
3 Months	0.20%	0.20%	At Maturity	$500.00
6 Months	0.25%	0.25%	At Maturity	$500.00
6 Months Special***	3.85%	3.88%	At Maturity	$500.00
12 Months	0.30%	0.30%	Quarterly	$500.00
12 Months Special	0.50%	0.50%	Quarterly	$2,500.00
18 Months**	4.37%	4.45%	Monthly	$10.00
24 Months	0.40%	0.40%	Quarterly	$500.00
36 Months	0.50%	0.50%	Quarterly	$500.00
48 Months	0.60%	0.60%	Quarterly	$500.00
60 Months	0.70%	0.70%	Quarterly	$500.00

APY = Annual Percentage Yield
Applies to 18 month term only: the interest rate and Annual Percentage Yield (APY) are variable and is based on an Index. 18 month CD is not available to Business Accounts. .
Applies to 6 month special certificate only: At maturity, the 6-month special certificate will automatically renew at the standard 6-month certificate's rate and term.