HIGH-GROWTH CERTIFICATES OF DEPOSIT (CDs)

Earn up to 2.60% APY!*

Example: 60 Month CD; $100,000 min balance; $25,000 new money rate bonus

Certificates of Deposit

Put cash to work in a High-Growth CD

Advantis High-Growth CDs are a high-value, no-risk way to save. Use CDs as a personal savings sprint, where you get higher interest returns across a set number of months.

New High-Growth Certificate & IRA Certificate Rates:
All CD terms offer an IRA option. Learn more about Advantis IRAs

CDs¹		Rates Effective 10/01/2019
Term	Tier	Annual Percentage Yield (APY)
6 months	$500 - $49,999	0.85%
	$50,000 - $99,999	0.95%
	$100,000 or more	1.05%
12 Months	$500 - $49,999	1.40%
	$50,000 - $99,999	1.45%
	$100,000 or more	1.55%
24 Months	$500 - $49,999	1.60%
	$50,000 - $99,999	1.75%
	$100,000 or more	1.85%
36 Months	$500 - $49,999	1.80%
	$50,000 - $99,999	1.85%
	$100,000 or more	1.90%
48 Months	$500 - $49,999	2.00%
	$50,000 - $99,999	2.05%
	$100,000 or more	2.15%
60 Months	$500 - $49,999	2.25%
	$50,000 - $99,999	2.30%
	$100,000 or more	2.35%
18 Month Bump	$2,500 - $49,999	1.50%
	$50,000 - $99,999	1.60%
	$100,000 or more	1.70%
¹$500 minimum deposit to open 6-60 Month Certificates, $2,500 to open an 18 Month Bump CD. APY assumes that all interest will remain on deposit until maturity. Fees or penalties may reduce earnings. For all certificates, there may be a penalty for early withdrawal. For IRA certificates, there is a plan closure fee which may reduce earnings. Offer subject to change without notice.

Earn more when you move funds to Advantis

When you open any CD with $10,000 or more in new money from another financial institution, you'll earn an extra bonus rate added to your CD rate. This serves as a "thank you" for investing more in our shared cooperative.

Special Offer Bonus Rate:

$10,000 in new money
Add 0.10% APY to any certificate term

$25,000 in new money
Add 0.25% APY to any certificate term

It’s as easy as 1-2-3:
1. Choose from any certificate term above
2. Move over new funds to Advantis from another financial institution
3. Your Member Advisor will help you open your certificate, AND add your new money bonus rate

APY= Annual Percentage Yield. Special Offer: APY assumes that all interest will remain on deposit until maturity. APY accurate as of 12/1/2019, available for a limited time and may be discontinued without notice. For all certificate accounts, there may be a penalty for early withdrawal. Bonus rate applies for the initial certificate term only. "New money" deposits between $10,000.00 and $24,999.99 qualify for a 0.10% APY increase, For "new money" deposits of $25,000.00 or more qualify for a 0.25% increase. "New money" means funds that have not been on deposit with Advantis before the date of account opening. For 18-month Bump Certificates, you may increase your rate once during the certificate term to the rate currently in effect for the 18-month Bump Certificate. For IRA and HSA accounts: Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.

OPEN A HIGH-GROWTH CD NOW:

Why would I open a CD from Advantis?

Advantis CDs are incredibly popular because we can offer you something market investments can’t: guaranteed returns on your money*. Certificates of Deposit feature fixed rates and fixed terms – so your rate and your earnings do not fluctuate with market conditions.

Here are a few more reasons why our members choose to open CDs (and transfer funds from other banks and credit unions to an Advantis High-Growth CD):

Safe, secure savings sprints make your cash work harder and smarter
Choose a term that works for you – from 6 to 60 months
Big balances are not required – open a CD with $500 (or more)
FREE – no monthly fees, ever
The more you deposit into a CD, the better your interest rate

Enjoy peace of mind knowing your funds are federally insured by the NCUA, the FDIC’s government counterpart insuring not-for-profit credit unions.

How does a High-Growth CD work?

When you open a High-Growth Certificate of Deposit at Advantis, you agree to deposit a minimum of $500 for a fixed period of time. (In financial lingo, we call this period of time a “term”.)

At the end of your term, we return your full deposit PLUS a guaranteed high-growth interest rate. (Again, in financial lingo, when your term is up, we say your CD has “matured”.) Then, when your CD matures, you have the option to cash out your CD or roll it over into a new High-Growth CD with a term and interest rate that feels most comfortable to you.

We offer six High-Growth CD terms ranging from 6 to 60 months. We also offer an 18-month Bump CD, plus Add-To deposit options.

Review High-Growth CD Rates and Terms

You always want to let your CD mature. If you withdraw your funds before any CD’s maturity date, your interest rate is no longer guaranteed. It’s likely you’ll pay penalty fees, as well. Nobody wants to see that happen.

Are you looking for a great savings rate, but you want instant access to your funds? Check out our High-Growth Money Market account.

Lock in a high rate now – Add-To your CD later

Advantis High-Growth CDs feature a Add-To option. In the simplest terms, with Add-To, you get to make additional contributions to your CD so you lock in even more savings at your fixed, guaranteed interest rate.* Learn more about Add-To

To use the Add-To feature and deposit additional funds into your certificate, choose one of the options below:

• Use the “Transfer” feature in Advantis Online Banking to add funds
(If you want to add funds to an IRA CD or if you have not contributed funds to your CD within the past 18 months, you will need to call us or visit a branch to complete the transfer.)
• Call us at 503-785-2528 (Mon – Fri, 8AM-6PM)
• Visit any branch

NOTE: You may Add-to to your CD account as much and as often as you like during the term. That said, even if your additional deposits elevate your balance into a higher CD tier, your rate will remain fixed at the rate associated with your initial deposit for the length of your initial term. Here’s the silver lining: Upon renewal, if your additional deposits have elevated your account and your funds are now in a higher tier, you can absolutely roll over your CD into a new term to take advantage of that new rate associated with your higher tier.**

Raise your rate with an 18 Month Bump Certificate

Reserve the right to increase your Certificate rate! With our 18 Month Bump Certificate, you can "bump" your rate once during your Bump CD’s term to the latest 18 Month Certificate rate. You’ll earn that higher, bumped up rate for the remainder of your Bump CD term. Minimum opening balance for bump certificates is $2,500.

We make it easy to bump—just call us and say, "Hi. Please raise my Bump CD rate today!"

Learn more about our Bump CD

Not-for-profit. All for you.

Advantis Credit Union is a not-for-profit financial cooperative. We are locally owned by our members, and instead of turning our earnings over to corporate stockholders (like banks do), Advantis returns our credit union profits to our community of members. You see those profits in our superior rates, lower and no fee financial products, plus more free membership services.

Learn about our cooperative difference

* This guarantee is contingent on the funds remaining in the certificate for the full length of the term. Early withdrawals are subject to fees and penalties.

** Although you may now make unlimited additional deposits to your certificate account, such deposits will not bump you into a higher bracket for rate purposes. During the term of your CD, regardless of additional deposits, your rate will remain fixed at the rate associated with your initial deposit. However, upon renewal, if your additional deposits have bumped you into a higher bracket you will earn the rate associated with that higher bracket.