3.59% (▲5 bps) ($5k min) • 12-month Liquid Share Certificate
3.20% (▲10 bps) ($25) • 24-month Asset Builder Certificate • Unlimited additional deposits of any amount
3.10% (▲10 bps) ($25) • 18-month Asset Builder Certificate • Unlimited additional deposits of any amount
3.00% (▲10 bps) ($25) • 12-month Asset Builder Certificate • Unlimited additional deposits of any amount
3.50% ($100) • 9-month Liquid Certificate • Unlimited deposits, penalty-free withdrawals up to 50% of balance
The top Add-On CDs have rates ranging between 4.00% and 4.24% are listed below.
4.24% • $500 min • 6-month Add-on Savings Certificate
Unlimited deposits up to $5m during term.
4.20% • $5 min/$100k max • 24-month Growth Certificate
Funds, in any amount, can be added at any time, but an individual member is limited to an aggregate $100k in any one or combination of Growth CDs.
Unlimited deposits during term, min $10 automatic monthly deposit.
4.05% • $250 min • 12 months Add-On Share Certificate
Additional deposits up to $2.5k per month
“Additional deposits of at least $25 must be made by automated means.”
4.05% • $5 min/$100k max • 60-month Growth Certificate
Funds, in any amount, can be added at any time, but an individual member is limited to an aggregate $100k in any one or combination of Growth CDs.
Unlimited deposits during term, min $10 automatic monthly deposit.
4.00% • $5 min/$100k max • 36-month Growth Certificate
Funds, in any amount, can be added at any time, but an individual member is limited to an aggregate $100k in any one or combination of Growth CDs.
Unlimited deposits during term, min $10 automatic monthly deposit.
4.00% • $5 min/$100k max • 30-month Growth Certificate
Funds, in any amount, can be added at any time, but an individual member is limited to an aggregate $100k in any one or combination of Growth CDs.
Unlimited deposits during term, min $10 automatic monthly deposit.
4.00% • $5 min/$100k max • 18-month Growth Certificate
Funds, in any amount, can be added at any time, but an individual member is limited to an aggregate $100k in any one or combination of Growth CDs.
Unlimited deposits during term, min $10 automatic monthly deposit.
4.00% • $5 min/$100k max • 48-month Growth Certificate
Funds, in any amount, can be added at any time, but an individual member is limited to an aggregate $100k in any one or combination of Growth CDs.
Unlimited deposits during term, min $10 automatic monthly deposit.
4.00% • $50 min/$3k max • 12-month Special EasyStart Certificate
Funds, in any amount, can be added at any time, but cannot exceed the $3k balance cap.
Requires a checking relationship.
Limit of one per member.
4.00% • $100 min/$20k max • 1-Year Youth Flex CD Special (ages 0-21)
Unlimited deposits during term ($10 up to max limit per day), one penalty-free withdrawal up to 25% of principal, one rate bump.
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Two banks and eight credit unions currently offer a total of 19 Add-On CDs that also have no-penalty options. Complete details are listed in the attached spreadsheet.
Genisys Credit Union • 4.00% ($100 min/$20k max) • 1-year Youth Flex Certificate (ages 0-21)
Genisys Credit Union • 3.90% ($100 min) • 14-Month Flex CD Special
Goldwater Bank • 3.90% (no min) • 6-month Liquid CD
Sunward Federal Credit Union • 3.75% ($100k min new money) • 16-month Flex Certificate
Genisys Credit Union • 3.70% ($100 min) • 1-Year Flex CD Special
Technology Credit Union • 3.65% ($1k min) • 5-Month Liquid Certificate
Technology Credit Union • 3.65% ($1k min) • 4-Month Liquid Certificate
Technology Credit Union • 3.65% ($1k min) • 3-Month Liquid Certificate
Credit Human • 3.59% (▲5 bps) ($5k min) • 12-month Liquid Share Certificate
Sunward Federal Credit Union • 3.50% ($500 min) • 16-month Flex Certificate
Kinecta Federal Credit Union • 3.50% ($100 min) • 9-Month Liquid Certificate
Bellco Credit Union • 3.40% ($2.5k min) • 30-month Smart Move CD
Bellco Credit Union • 3.40% ($2.5k min) • 24-month Smart Move CD
Goldwater Bank • 3.25% (no min) • 12-month Liquid CD
Bellco Credit Union • 3.15% ($2.5k min) • 36-month Smart Move CD
SkyOne Federal Credit Union • 3.10% ($1k min) • 11-month Liquid Share Certificate
Cal Coast Credit Union • 3.00% ($1k min) • 8-month Liquid Certificate
Kinecta Federal Credit Union • 2.75% ($100 min) • 12-Month Liquid Certificate
Climate First Bank • 2.68% ($500 min) • 15-month Flex CD
Bellco Credit Union • 2.40% ($2.5k min) • 18-month Smart Move CD
The attached spreadsheet contains details on the 46 nationally available Add-On CDs currently offered by 20 credit unions and four banks as of August 25, 2026.
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