The best interest rates for certificates of deposit offerings have been falling in the past few months. The top cd rates with Digital Credit Union though remain to be very competitive. The Jumbo CD rates with this credit requires a minimum deposit of only $25,000 compared to other institutions which require around $90K to $100K.
The best cd rates are the following:
3.01% APY 60 months
2.01% APY 36 to 47 months
1.51% APY 12 to 23 months add-on certificate of deposit
1.35% APY 6 month add-on certificate of deposit
1.01% APY 3 to 5 months add on certificate of deposit
The above interest rates require a Relationship Checking account for the high interest CD deals. If you do not get the checkign account, the interest rate for this money in the bank opportunity drops by 0.25%.
The early withdrawal penalty for these certificates will be as much as 180 days of earnings for CDs with terms of 36 to 60 months.
You can sign up with the credit union through accredited associations. Tthey have a long list of groups that you can join so you can become a member. The most practical choice will be to go through Reach Out for Schools which only requires a membership fee of $10. You may also be qualified to join the credit union if you are living, working, studying or attending church in parts of Massachusetts and Georgia. Visit their membership page to know the specifics of how you can join.
Digital Credit Union has branches in Massachusetts and parts of New Hampshire particularly in Nashua, Machester, Merrimack, and Hudson.
The credit union is listed with the NCUA.
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