CERTIFICATES OF DEPOSIT (CDs)
Lock in a brighter future for your savings
Certificates of Deposit
Lock in a high rate now and grow your funds securely
Planning for retirement, saving for educational expenses, or just thinking ahead? In this market economy full of unknowns, an Advantis certificate offers you a secure way to save. Lock in an excellent rate and guaranteed earnings* for the certificate term of your choice.
With an Advantis certificate of deposit (CD) you can:
- Open a CD account with as little as $500
- Choose the CD term that works best for your savings goals, from 6 to 60 months
- Enjoy excellent tiered interest rates—the more and longer you invest, the more you earn
- Rest easy, as your rate is fixed and your earnings are guaranteed*
- Keep your funds secure – your deposits are federally insured by the National Credit Union Administration
- See current CD rates
OPEN A CD TODAY:
Let’s dig a little deeper:
How do CDs work and what are the benefits?
When you open a CD, you agree to set aside a portion of your funds for a specified period of time (or “term”) of your choice in return for what are often the highest available rates on an insured savings account. In general, the longer the term length, the higher interest rate you’ll earn. When your term ends (called the CD “maturity” date), you’ll have the option to access your funds again and you’ll receive all of your interest earnings. Note: If you withdraw your funds before the CD maturity date, you’ll pay penalty fees. Are you looking for a great rate, but with instant access to your funds? Check out our Money Market account
You choose the CD term that works for you.
Advantis offers a variety of CD terms to fit your financial goals, from 6, 12, 24, 36, 48, to 60 months. In general, the longer term you choose, the higher rate you’ll earn. See CD rates and terms
Your earnings are guaranteed.
Advantis CDs offer you something market investments can’t: guaranteed returns on your money*. Our CDs feature fixed rates and fixed terms – so your rate and your earnings do not fluctuate with market conditions.
*This guarantee is contingent on the funds remaining in the certificate for the full length of the term.
Bump Certificates – if market rates increase, you can “bump up” your rate!
You don’t need to miss out if you notice an interest rate increase in the financial markets. Bump CDs give you a one-time option to increase your CD rate to a higher published Advantis rate any time after you lock in a CD.
With our 13-month bump certificate, you can "bump" your rate once during your certificate’s term to the latest 12-month certificate rate. The higher rate will be paid for the remaining term of your certificate. Minimum opening balance for bump certificates is $2,500.
We make it easy to bump—just call us and say, "Raise my rate today."
See our current bump certificate rates
For 13-month bump rate certificates, you may increase your rate once during the certificate term to a rate currently in effect for our standard 12-month certificates. There may be a penalty for early withdrawal. For IRA certificates, there is a plan closure fee which may reduce earnings.