Certificates of Deposit (CDs)
You can make your money grow at a higher rate by opening an InTouch Credit Union Certificate of Deposit (CD). Rates are fixed*
and generally offer higher dividends than savings accounts. Terms range from 3-60 months and have a minimum $1,000* deposit requirement to open an account. Your money stays put in a secured account†, while you earn great rates.
Whether you’re interested in a quick 3-month term, a higher-rate 60-month term, or any of our other convenient terms, ITCU has a CD to fit your needs. Even better, you can open most CDs with a minimum balance as low as $1,000 - an affordable way to begin saving now and earning more than you would by leaving your funds in an ordinary savings or checking account!
Higher Yielding CDs
Looking for better dividend rates for larger deposits? InTouch offers special higher yield CDs through our High-Yield Checking Account option. Special premium rates over regular CD rates can be enjoyed as an added benefit for High-Yield Checking account holders.
Frequently Asked Questions
Q. What happens to my deposit at the end of a CDs term?
At maturity, most CDs* automatically renew for the same term, and at the current rate, unless you instruct otherwise during the renewal period. Speak to your account representative to find out how to roll over your funds at the best rate, or to move your funds into your regular ITCU account at the end of your CDs term.
Q. When or how often is the interest on my CD calculated?
ITCU credits and compounds dividends earned on Certificates monthly. The amount of dividends earned will be shown on your statement. Dividends may be deposited directly into a specified account or rolled into the certificate.
*Excludes special or limited-time certificates which may have different minimum deposit, rate structure, renewal terms or other conditions.
† Deposits in ITCU are insured through NCUA. Click here for more details.