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Share Certificate of Deposit (CD)

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Take Advantage of the Best CD Rates to Earn More


If you're looking for a secure alternative to grow your money, consider an InTouch Credit Union Share Certificate of Deposit (CD). With an affordable minimum balance and a fixed interest rate* that earns you higher dividends than an average savings accounts, it's an ideal choice offering you the flexibility and security you need to reach your goals.

 

How to Get the Best CD Rates at InTouch Credit Union

Cash In with 2-Month CDs!

Looking for a low-commitment CD but also a great rate? ITCU has got you covered with our new 2-month CD.

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Want even better dividend rates?

Opening a High-Yield Checking Account earns you access to exclusive HYC Share Certificate rates. You will not only get the highest rates available for certificate terms up to 60 months but also enjoy greater rates on your checking balances!

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Looking for more flexibility and access?

Our Money Fund Account covers both needs and pays higher dividends like you would typically see on certificate, too. Easily withdraw money via debit card or checking, and take advantage of a tiered account framework that rewards you with higher dividend rates based on your account balance! (Minimum balances apply.)

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Current InTouch Credit Union CD Rates

Why Should I Open an ITCU CD Account?

Guaranteed Returns

When you open your CD account with us, your interest rate is locked-in and does not change for the length of your term. Assess how much you can earn or compare CD terms and rates with our Share Certificate of Deposit (CD) Calculator.

Flexible Terms

Whether you are interested in a quick 3-month term, a higher-rate 60-month term, or any of our other convenient terms, ITCU has a CD that fits your needs. Choose the term that works best for you! Early withdrawal penalties apply.

Insured and Secure

Deposits at ITCU are insured through NCUA. Learn more about NCUA insurance.

Affordable Minimum Balance

You can open most CDs with a minimum balance as low as $1,000.00* – an affordable way to begin saving now and earning more than you would by leaving your funds in an ordinary savings or checking account.

Already an ITCU Member?

Click Here to Open Your CD

Not yet a member? Check out our Membership Eligibility, or visit a Local Branch.

Certificate of Deposit FAQ

How do I fund a CD?

ITCU offers you a variety of options to fund your CD:

  • Cash
  • Check
  • Internal or external transfer
  • Wire transfer

How is my CD's interest calculated?

ITCU credits and compounds dividends earned on Certificates of Deposit monthly. Your statement shows the dividends your CD has earned. You have the option of depositing dividends directly into a specified account or rolling it into the CD.

What happens when my CD matures?

At maturity, most CDs* automatically renew for the same term at the most 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 CD’s term.

What is the penalty for early withdrawals?

All ITCU CDs come with a 90-day interest forfeiture penalty for early withdraws and closures.

If you are pulling from a Save to Win® CD, you are allowed one withdraw during the 12-month cycle for a $25.00 fee. If you close the Save to Win® CD early, there is a $25.00 penalty and a 90-day interest forfeiture penalty. Please see our fee schedule for more information. 

Start Earning More

*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 about NCUA insurance.