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Certificates

Our owners are our members, and being a Northeast Wisconsin credit union means higher returns for you. Let us join your journey and be your guide to your best financial future. We'll start by putting your money to work. Find out how our rates can earn you more on your Certificates. 



Getting Started Is as Easy as...

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Open an account and choose how long you want to earn a higher rate with a certificate.

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Transfer the amount you want to earn more on from an account at CCU or another financial institution.

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Watch your money grow!








Earn more for less effort

Share certificate

 
A share certificate is like overnight or long-term parking for your money. You choose how long you want to park it. The difference is (and this is big) we pay you instead of you paying us. Pick a term that works for you.  No withdrawals, no deposits, no effort, just earning.
 
  • Greater earning than a basic savings account
  • Fixed rates guaranteed for length of term
  • Terms from 3 months to 5 years
  • $1,000 minimum deposit to open
  • Federally insured by NCUA 
 


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Save as you go

Member's Choice Certificate

Providing you options that fit your stage in life is important to us. That means providing products that make saving a little easier and with less restrictive access to your money when you might need it. With a Member's Choice Certificate you still earn higher dividends over a 12-month term, but you also have the flexibility with a one-time penalty free withdrawal. A perfect product for the young saver or saving for that special gift.

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Certificate Special Rates

Termǂ Minimum to Open & Earn Dividends Dividend Rate APY* Compound
8 Month** $5,000.00 5.20% 5.30% Quarterly
27 Month** $5,000.00 4.67 % 4.75 % Quarterly

Members Choice Certificate Rates (Direct deposit only)

Term Minimum to Open & Earn Dividends Dividend Rate APY* Compound
12 Months $1.00 2.48% 2.50% Quarterly
 

Certificate Rates

Term Minimum to Open & Earn Dividends Dividend Rate APY* Compound
3 - 5 Months $1,000.00 1.99% 2.00% Quarterly
6 - 11 Months $1,000.00 2.48% 2.50% Quarterly
12 -17 Months $1,000.00 2.97% 3.00% Quarterly
18 - 23 Months $1,000.00 3.210% 3.25% Quarterly
24 - 35 Months $1,000.00 3.455 % 3.50% Quarterly
36 - 47 Months $1,000.00 3.941 % 4.00% Quarterly
48 - 59 Months $1,000.00 4.087 % 4.15% Quarterly
60 Months $1,000.00 4.184 % 4.25% Quarterly
*APY=Annual Percentage Yield, Rates effective 12/22/2023. Certificates may have penalty for early withdrawal. Fees may reduce earnings and/or principal on the account. Rates subject to change without notice. For businesses with a combined certificate total of more than $250,000, please contact a Member Service Representative for rates. Rates do not apply to institutional or government deposits.

ǂ Automatically renewable account - This account will automatically renew at maturity based on the following terms:

-The 8 month certificate will renew into an 6 month term.

-The 27 month certificate will renew into an 24 month term. 

You may prevent renewal if you close the account at maturity. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity.

**Minimum Balance Requirements - $5,000 New Money required to open and earn dividends. New Money requirement waived for current members with an Active Checking account. An Active Checking account has at least $400 in deposits each month and 12 withdrawals of $5 or more during the month.

All other terms for the Term Share Certificate as listed in the Understanding Your Account Brochure, shall remain in full force and effect.