Guaranteed fixed-rate CDs offer a variety of risk-free, flexible saving options with high rates of return. We have terms ranging from 3 to 60 months, and with the Add-To option your initial investment can be as little as $100.

APY* effective 09/01/2011

Product	$500 - $99,999.99	$100,000 +
12 Month CD If the opening balance is less than $500, the Add-To feature is mandatory. With this feature, you add to the interest-earning principal balance of your CD with automatic recurring transfers from one of your other BECU deposit accounts. Interest compounds and is credited monthly. A penalty may be imposed for early withdrawal.	0.20%	0.30%
60 month CD If the opening balance is less than $500, the Add-To feature is mandatory. With this feature, you add to the interest-earning principal balance of your CD with automatic recurring transfers from one of your other BECU deposit accounts. Interest compounds and is credited monthly. A penalty may be imposed for early withdrawal.	1.31%	1.41%

*See Small Business Account Discloseure for details (pdf)

Subscribe to rate feeds  

CD Options

Choose a Maturity Date or Term — URW CDs offer the flexibility to choose a CD by a specific maturity date or by choosing the specific term length.

Maturity date: Choose the date your CD will mature without being restricted by specific CD term lengths. The benefit is your investment will be available on the date you want it.

Term: Choose from 3 months to 60 months term lengths. The CD will mature at the end of the term you selected.

Bump — Do you like to keep tabs on financial markets and follow interest rate forecasts? Then choose a 24 month "Bump" CD. These CDs have a one-time option to increase the interest rate on your investment to URW’s published rate for the equivalent term CD. <

Features & Benefits

• Free Online Banking and eStatements
• Fixed rates
• Terms range from 3-60 months with the option to choose your CD by a specific maturity date or by a specific term length
• Greater flexibility with Bump options

Get started now

or Find a URW Neighborhood Financial Center

*APY = Annual Percentage Yield. Rates subject to change, fees may reduce earnings. To open this account, you’re required to establish membership by opening a Member Share Savings Account with a required $25 minimum deposit.