Certificates of Deposit

What is a Certificate of Deposit (CD)?
A certificate of deposit (CD) is a safe, virtually no-risk savings tool that can boost the amount of interest you earn over a specific amount of time (or term). 

You choose the term based on what your financial institution offers, and how long you are willing to leave your money in the CD. The amount of interest rate (or return) is a guaranteed percentage that you earn when the CD reaches the end of the term (or matures). 


Can I Make an Early Withdrawal?

If you choose to take out your funds before the maturity date, you may have to pay an early withdrawal penalty. 

View our Truth-in-Savings CD disclosures here or give us a call at 877-325-2848.


Check out our CD accounts below!

Fixed Rate CDs

Fixed rate CDs are a safe, secure means of obtaining a good return on your investment. Here you'll find a wide range of terms offering competitive rates.

Plus, qualifying members can take advantage of a special CD rate bonus based on benefits earned as part of Member Merits.*

The minimum opening balance for all CDs is $1,000. Certificates are automatically renewable and interest earned can be added back to the CD or credited to your account.

Open a CD Account Online


Variable Rate CDs

ABECU offers two special Variable Rate CD terms: of

  • 36 months
  • 60 months

After the issue date, the rate may adjust twice during the term which is divided into three equal periods. The rate adjusts to current rate for like fixed rate certificate term less a margin on the anniversary date of each subsequent period.

The rate may increase or decrease however it will never be lower than the rate earned on the date the CD was opened.

Open a CD Account Online


Youth Group CDs

All members of the Credit Union's youth groups – Junior Account Program, Financial Youth Group and Young Adult Financial Group – are eligible to open a CD with a minimum balance of $500.

All youth groups CDs have the same terms and features as our CDs described above.

Open a CD Account Online


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.

*St. Louis market rates as reported in Money Monitor by BancAnalytics (March 2017) and include Member Merits Gold rates offered to households with combined loan and/or deposit balances of $25,000 or more.