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Earn a 5.00% APY* on a 13-month CD
Lock in a great rate until 2025. Open your CD with a minimum deposit of just $5.
$5 minimum deposit
You don't need a four-figure deposit to get our best rates.
Lock in a great rate
With interest rates predicted to fall in the next year, a CD can help you maximize your returns for longer.
No-risk growth
As long as you don't withdraw funds before the end of your CD term, your earnings are guaranteed—no matter what the market does.
13-month
CD
Current rate
5.00% APY*
Lock in our best rate until 2024. Your balance is insured up to NCUA limits—and we can help you maximize your deposit insurance on higher balances.
23-month CD
Current rate
4.00% APY*
With interest rates expected to drop by the end of 2024, our 23-month CD enables you to hang on to a great rate for close to 2 years.
40-month bump-up CD
Current rate
1.90% APY*
Lock in a great rate now—and a better one later. If rates rise, you can "bump" your 40-month CD to a higher rate once during the CD term.
Which CD is right for you?
CD rates
Rates current as of April 1, 2024
Term | APY* |
|---|---|
8 Month++ | 0.15% |
12 Month | 0.15% |
13 Month*** | 5.00% |
15 Month*** | 0.50% |
18 Month | 0.60% |
23 Month (1) | 4.00% |
24 Month | 0.25% |
30 Month | 0.25% |
36 Month | 0.50% |
40 Month Bump Up Special(+) | 1.90% |
48 Month | 0.25% |
5-Year Add-On Certificate** | 0.80% |
*APY= Annual Percentage Yield. **During the term of the Add-On certificate, you may make deposits of $5 or more at anytime. ***13- and 15-month certificates will automatically renew into a 12-month term at maturity. +For the 40-Month Bump Certificate Special, members may request that Vibrant raise their rate to the current Vibrant Credit Union published rate on the 40-month certificate. Members will then earn the higher rate for the remainder of the term. Members may only exercise this feature one time during the term. Promotional rates made available in special offers are excluded. When the certificate matures it will auto renew into a 36-month certificate. ++8-month certificate will automatically renew into a 6-month term at maturity. 1. 23-month CD will automatically renew into a 24-month term at maturity. $5 minimum to open account. Penalty may be imposed for early withdrawal. Federally insured by NCUA.
Frequently asked questions
You'll need to be at least 18 years old to open an account online. If you're younger than 18, you can open an account as long as at least one of your parents or legal guardians opens the account with you. Schedule an appointment to talk with a banker or call 1-800-323-5109 for more information.
You could potentially lose all the interest you've earned if you withdraw funds from your CD before the end of the term. Talk with us about your options.
If you withdraw your funds at maturity, your Vibrant CD will automatically renew into another CD term. While most CDs will renew as a CD with the sam term, there are exceptions. 13- and 15-month certificates automatically renew as 12-month CDs at maturity. The 40-Month Bump-Up CD renews as a 36-month certificate. The 23-month CD will renew as a 24-month term CD at maturity.
Depending on the CD term you choose, you may be able to secure a higher annual percentage yield on a CD than on a savings account. If you feel certain you won’t need to use your savings before the CD matures, it can therefore earn more interest than you’d earn with a savings account.
In addition, our high-yield savings accounts are tiered accounts—which means that your annual percentage yield changes based on the size of your balance. If you have more than $15,000 but less than $1 million in savings, you may be able to get a significantly higher rate by putting your cash in a CD.
Of course, with a high-yield savings account, you can withdraw funds at any time without risk of penalties. Ultimately, which product is best for you will depend on how much money you have in savings and when you plan to use it.