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CDs

Earn higher yields with a savings option that delivers guaranteed growth

With a fixed rate, your savings can reach a higher level

Easy to start

Invest with a $500 minimum opening balance for regular CDs, $10,000 for Jumbo CDs.

Various terms

Choose from 6, 12, 24 or 36 months.

Multiple options

Custodial CDs are available for children and grandchildren while IRA CDs help you save for retirement.

The power of compounding

Dividends are compounded and credited monthly to your CD.

Automatic renewal

There's a seven-day grace period once your CD matures and then it renews.

Federally insured

Your deposits are insured to at least $250,000 by the National Credit Union Administration.

Make your money do more

If you have at least $500 you can set aside for several months or several years, investing in one of our many CDs is a great way to accumulate more savings compared to other accounts. By leaving your money on deposit for the CD's full term, you'll maximize your savings at a fixed rate. Typically, the longer your term, the higher your rate. When the CD matures, you can withdraw your increased balance to use for any purpose, or reinvest the money in another certificate and continue its growth.

Point Breeze Credit Union is a full-service financial institution with locations throughout Maryland.

Certificate of Deposit Rates

APY is accurate as of: March 1, 2024
Account Type APY Compounded & Credited Minimum Balance to Open
11 Month Featured CD**5.25%Monthly$1,000
6 Month Standard CD4.20%Monthly$500
12 Month Standard CD4.50%Monthly$500
24 Month Standard CD4.10%Monthly$500
36 Month Standard CD3.50%Monthly$500
6 Month Jumbo CD4.20%Monthly$10,000
12 Month Jumbo CD4.50%Monthly$10,000
24 Month Jumbo CD4.10%Monthly$10,000
36 Month Jumbo CD3.50%Monthly$10,000

*APY=Annual Percentage Yield. APY assumes principal and interest remain on deposit for the full term. Early withdrawal penalties may apply if any portion of the principal is withdrawn prior to maturity. Interest earned may be withdrawn at any time without penalty. If a CD is closed before the accrued interest is credited, accrued interest will be paid. 

**11 Month Featured CD: The following apply in addition to the account disclosures above. New money only; funds may not already be on deposit in a Point Breeze account. At the conclusion of the 11-month special offer period, the CD will automatically renew for a 6-month term and will thereafter renew on the maturity date for successive 6-month terms. The APY for the renewal term(s) will be the APY in effect for the term at the time of renewal. Point Breeze Credit Union reserves the right to change or terminate this limited time offer without prior notice. Offer not available for financial institutions.