Savings Certificates

"I have a goal in mind and I want to build my savings with a higher rate."
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Maximize your savings on your terms. You have the options and opportunity.

You're ready to do more with your money and make serious progress toward your financial goals. Whether you're saving for tuition, a special purchase, or creating a safety net for the unexpected, savings certificates from Clearview Federal Credit Union can help boost your momentum.

The key is patience. The longer you keep your funds on deposit, the more they grow at a fixed, higher rate. But we're not talking multiple years, necessarily. You can also choose time frames of several months, depending on when you need access to money for what you're trying to achieve. And there's no limit to the number of savings certificates you can have. Spread out your money so it matures at different times for greater flexibility.

Certificate Specials

Your savings, your way. Three certificate rates for every goal.

  • 5.00% APY* for 7 months
  • 4.75% APY* for 11 months
  • 4.50% APY* for 13 months

Limited time only. Minimum $1,000 opening balance required. New and existing money eligible for deposit.

Savings Certificates

  • Choose a term from 3 months to 5 years
  • Higher certificate rates than most traditional savings accounts
  • 3- and 6-month savings certificates require a $500 minimum deposit
  • 12- to 60-month savings certificates require a $1,000 minimum deposit
  • Renews at maturity unless you indicate otherwise (early withdrawal penalties apply)
  • Jumbo options are also available, call for details

Bump Rate Certificates

  • Offered for 24 or 36 months
  • Increase your savings by “bumping” your rate once during the term if rates increase1
  • Jumbo options are also available, call for details

Flex Savings Certificates

  • A 12-month certificate perfect for short-term goals
  • $100 minimum initial deposit
  • Bonus rate of 0.10% over our current 12-month certificate rate
  • Add $25 or more to the certificate at any time
What's included?
  • Various choices with different time frames
  • No risk of principal loss
  • Insured by NCUA
5.00% APY*
Earn more for a limited time with our 7-month certificate.
View certificate ratesView rates

Consider this before you open a savings certificate

What is a savings certificate?

It's a no-risk, higher-reward savings account that grows your money at higher interest rates compared to other account options. You'll also see these referred to as a certificate of deposit, or CD.

How does a savings certificates work?

You choose how long you want to keep your money deposited, known as the term length, and your money earns dividends at a fixed rate for that term. Typically, longer terms and larger deposits grow at our highest rates. With Clearview, you can choose terms anywhere between 3 months and 5 years. It's best if you don't need access to the money you deposit. A penalty may apply if you end up withdrawing your money before the term ends. Our savings certificate calculator can help you estimate your earnings.

How can savings certificates help me?

They give your savings an extra boost over a specific period of time. Short-term certificates help you save for vacations, holiday celebrations, and anything else you can think of. Choosing long-term certificates lets you build up for larger expenses such as down payments on a home or vehicle, education expenses, or retirement. Ready to get started? Open a savings certificate today online today!

* APY = Annual Percentage Yield. APY offer is effective beginning June 1, 2024, and is subject to change without notice. Minimum $1,000 opening balance required. Offer valid for Business Certificates, Consumer Certificates, and Traditional IRA Certificates only. Subject to penalty for early withdrawal. Membership with Clearview is required to take advantage of this offer. Insured by NCUA.

After 7-month certificate matures, the certificate will automatically renew at the then-current 6-month certificate rate unless you indicate otherwise.

After 11-month certificate matures, the certificate will automatically renew at the then-current 12-month certificate rate unless you indicate otherwise.

After 13-month certificate matures, the certificate will automatically renew at the then-current 12-month certificate rate unless you indicate otherwise.

1 During the term of a "Bump Rate Certificate," you have the option to make a one-time written or verbal request to adjust your interest rate without incurring a penalty. The "Bump" rate will remain in effect until the certificate maturity date. Certificates receiving special promotional rates do not qualify for the "Bump" rate feature. Minimum $1,000 opening balance required; must be opened with 50% new funds not on deposit with Clearview. Offer valid for 24 or 36 month Consumer Certificates and IRA Certificates only. After the Certificate matures, it will automatically renew at the current 24 or 36 month Certificate rate unless you indicate otherwise. Subject to penalty for early withdrawal.

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“Clearview takes the time to understand the customer at a human level instead of as numbers on a paper.” William, Member since 2016
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Learn More- Go to membership page
I have a checking and savings account and have financed all of my cars through Clearview over these many years. They have never failed me and have always been helpful, courteous and kind. Charlene, Member since 1978
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The way a fraud activity was detected in account gave me great confidence in banking with Clearview. Vitus, Member since 2018
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