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Certificates (CDs)

Things change pretty quickly nowadays, so it’s nice to have something that doesn’t — like fixed-rate earnings you can rely on.



  • Enjoy peace of mind with guaranteed earnings
  • Fixed rates, higher than regular savings
    • Receive higher rates by selecting a longer term
    • If you have been a member for 10 or more years, enjoy a rate increase of 0.05% APY on all certificates except for the Member Appreciation Certificates and special certificates
  • Our 36-, 48- and 60-month certificate options have the option to bump up your rate once per term
  • Provide more guarantee than other uninsured investments
  • Insured by the NCUA up to $250,000
  • Set aside for future savings goals
  • No setup or maintenance fees, however early withdrawals are subject to penalty
  • A wide range of terms available (from six months to five years)
    • $1,000 minimum deposit to open 
  • Member Appreciation Certificates
    • 10- or 20-month term
    • Higher dividends than regular certificates
    • $500 minimum deposit to open
  • Jumbo Certificate options available with $60,000 minimum deposit


Only one Member Appreciation Certificate is allowed per primary member.
For a limited time, earn 5.05% APY on our 8-month certificate special when you fund with at least half in new money not currently on deposit at Cascade FCU!

This offer ends soon - lock in your rate today!


APY = annual percentage yield, effective June 1, 2023. Must establish a membership with Cascade FCU to open a certificate. Early withdrawal penalties may apply. Fees may reduce earnings. Upon maturity, certificate will renew as a 6-month certificate at the current dividend rate. $1,000 minimum required to open. At least half of the funds used to open this certificate must be new money that has not been on deposit with Cascade FCU in the last 90 days. Subject to change without notice. Insured by NCUA.








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