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Single Deposit CD

If you do not have an immediate need to spend your money and want to earn an even higher rate of interest, open a certificate of deposit with Express.

• Open an account with $1,000 or more and decide how long you would like to have your money remain in the account – up to 36 months – the longer the term, the higher rate of interest you earn
• Interest rate stays the same until the deposit matures – guaranteeing your interest even if the market interest rates drop lower in the future
• Since Express pays you a higher rate of interest there are penalties if you withdraw your money prior to the certificate's maturity

Add On CD

Open with as little as $100 and enjoy higher guaranteed rates of interest in this special CD account that you can add money to throughout the term! We can make regular automatic transfers on payday to this account to help you reach your savings goals.

The interest rate stays the same until the deposit matures.

It pays a higher rate of interest than a regular savings account because you promise to keep your money in the account for a specific amount of time.

• Open an account with $100 or more
• Select a 12 or 24 month term – the longer the term, the higher rate of interest you earn
• This account allows you to add money to your initial deposit any time during the term of the CD.
• There is a penalty if you withdraw your money early

Bump It Up CD

If you think interest rates might increase in the future, you might consider this special CD that allows you to bump up the rate once during the term of the CD if rates go up.

• Open an account with $10,000 or more
• Available with 12 or 24 month terms
• There is a penalty if you withdraw your money early

Community Impact CD

Make a difference in your community by investing in Express Credit Union. By choosing a "below-market" interest rate on these long-term certificates of deposit, you allow Express CU to increase its ability to provide loans and services to more low and moderate income families.

• $10,000 minimum opening balance
• Minimum term is 36 months – maximum 60 months
• These deposits are insured by the NCUA for up to $250,000*
• Express Credit Union appreciates our Community Impact Investors and since we depend on this money to lend to others, there is a penalty for early withdrawal.
• Please contact Express Credit Union CEO, Brenda Kurz, at 206-622-1850 for more information and current availability of this community investment

*NCUA insurance may be increased to $500,000 for joint ownership accounts