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Certificates of Deposit (CD)

Certificates of Deposit (CD) pay competitive interest rates with terms ranging from 3-60 months.

Interest may be added to the certificate balance, transferred to your share savings account or paid by check.

Rate Change Option

When depositing to certain CDs, members have the option of changing the rate once on that certificate for its remaining term at the rate currently being offered by Alliant Credit Union.

Youth CDs

A special CD is offered to our savers from birth through age 21. They may invest a minimum of $300 in our high yield CDs, compared to the normal minimum deposit of $1,000.

Contact Us for more information on CDs


CDs - IRA & Regular

APY Dividend Rate
3 Month .60% .60%
6 Month .90% .90%
9 Month 1.00% .99%
1 Year 1.20% 1.19%
2 Years 1.85% 1.84%
3 Years 2.30% 2.28%
4 Years 2.35% 2.33%
5 Years 2.60% 2.58%

Special CD Rates

APY Dividend Rate
13 Month 2.20% 2.18%
17 Month 2.75% 2.72%
30 Month 2.85% 2.82%
42 Month 3.00% 2.97%

IRA Shares

APY Dividend Rate
Up to $500.00 0.00% 0.00%
$500 - $2,499.99 0.25% 0.25%
$2,500 and Above 0.50% 0.50%

All rates subject to change. APY = Annual Percentage Yield. Young Savers Certificates for members age 21 or younger, the minimum deposit is $300 instead of $1,000 on ACU's regular certificates, all additional terms and conditions are the same. Special CDs require $5,000 minimum deposit. 3-9 month products paid monthly, others paid quarterly. Dividend rates on IRA shares are declared at the end of each quarter. Withdrawal from IRA Savings may result in IRS taxes and/or penalties.