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Certificate of Deposit (CD)

Certificate of Deposit (CD)

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Take advantage of great CD rates!

A Certificate of Deposit (CD) provides Choice One members with the opportunity to lock in a fixed rate for a specific length of time. When you invest in a Choice One CD, you’ll earn a guaranteed interest rate for the term of the certificate. Choice One CDs offer competitive interest rates with flexible terms. Invest in a certificate of deposit for as little as $500 and enjoy a competitive rate with a term of 6, 12, 36 or 60 months. All credit union deposit accounts, including Share Certificates are insured by the NCUSIF* for up to $250,000.

For complete details or to purchase your Share Certificate, stop by one of three conveniently-located branches in Wilkes-Barre, Hazleton or Plains Township and get started today!

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Details of Choice One CDs

• Competitive interest rates
• Low $500 minimum to open ($100 for youth accounts)
• Terms from six months to three years
• All accounts are Federally insured up to $250,000 by the National Credit Union Administration
• As with all CDs, early withdrawal penalties apply

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The Benefits of Laddering CDs

One way to maximize your interest income is with a strategy called CD laddering. Over time, it’s an easy way to earn a higher rate without locking up all your money into a single long-term certificate.

For example, instead of opening one 5-year CD for $5,000, you would divide your initial deposit into five equal CD’s. $1,000 each for a 1-year term, 2-year term, 3-year term 4-year term and 5-year term.

Each year, roll the certificate that comes due into a new higher yield 5-year certificate. This way, you will have 1/3 of your funds coming due each year, should you ever need it. And by the fifth year, all of your certificates will be receiving the highest dividend they can. That’s making money the smart, safe and secure way!

  • Staggered maturity dates ensure you will always have access to part of your funds within one year.
  • The annual maturity dates give you the opportunity to reinvest your savings in higher yield certificates should rates go up.
  • You can ladder your maturity dates to match the timing of your financial goals, including college tuition, vacation plans, home improvements, retirement, etc.

For complete details or to purchase your Share Certificate, stop by one of three conveniently-located branches in Wilkes-Barre, Hazleton or Plains Township and get started today!

Learn More – Contact Us Now!

Share Certificates Rates

APR* APY** Info and/or Terms
Effective Date 10/01/2019
Rates Subject to Change
0.75% 0.75% Term: 6-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 90 days of dividends earned or not.
0.95% 0.95% Term: 12-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 90 days of dividends earned or not
1.35% 1.36% Term: 24-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 180 days of dividends earned or not.
1.65% 1.66% Term: 36-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 180 days of dividends earned or not
1.95% 1.96% Term: 48-Months Quoted Monthly Minimum Investment balance of $500.00
Early withdrawal penalty is 180 days of dividends earned or not
2.25% 2.27% Investment balance of $500.00
Early withdrawal penalty is 180 days of dividends earned or not

*** The NCUSIF is the National Credit Union Share Insurance Fund. It is a federally insured program governed by the NCUA (National Credit Union Administration).

About Choice One

We serve more than 13,000 members (and counting) throughout Pennsylvania. If you live, work, worship, go to school or own a business entity in Luzerne, Lackawanna or Wyoming Counties, you are eligible to join. So, stop in today and see the difference at Choice One!

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