certificates

Save More - Earn More! Certificate Accounts offer competitive dividend rates for members seeking to earn more for their savings for terms from three months all the way up to five years. Youth certificates are also available for ages birth to 17 to help our younger members get a jump start on saving. Additionally, certificate funds are available to use as collateral for a certificate-secured loan at a low rate of interest. 

Make your money work for you! Apply for a Certificate of Deposit Account within Online Banking, stop by any of our branches, or call a Member Service Advisor at (800) 648-8035.

Certificate Rates

7-month add-on CD

Add on as much as you want - whenever you want - and earn 4.25% APY!* Unlike our other CDs, the Add-On CD allows you to deposit funds anytime throughout the term, maximizing the money you earn. Start slow with a minimum of $50 and take advantage of ONE rate bump over the term of the Certificate!

estimate your savings

CDs are considered one of the safest forms of investing! Consistent investments over a number of years can be an effective strategy to accumulate wealth. Use our savings calculator to see how to put some strategy into your savings.

Savings Calculator

Have any specific savings goals in mind? What will it take to reach your financial goals? Use the savings goal calculator to get an idea and get more information about the savings plan you should follow, and what you can do to help ensure that you stay on track.

Savings Goal Calculator
 

read our blog

• how do certificates of deposit (CDs) work?
• savings accounts, money markets, and certificates: what’s the difference?

*APY = Annual Percentage Yield. Fees may reduce earnings. Federally insured by the NCUA. A minimum of $50 in new money will need to be deposited. New money is defined as money not currently on deposit with BlueOx Credit Union. Rates are subject to change without prior notification. The Annual Percentage Yield is accurate as of the last dividend declaration date. Allows for additional deposits, as well as one rate increase per member request throughout the term of the CD. Penalties still apply for withdrawal before the maturity date of the CD.