Ohio Catholic Federal Credit Union OCFCU Banking Certificates Happy Couple

CERTIFICATES

SIT BACK + EARN MORE

A share certificate of deposit (CD) allows you to plan out your savings by providing guaranteed returns that you can access on a set maturity date. You’ll earn high dividends (interest) over terms from 3 to 84 months, with only a minimum deposit of $500 for standard CD’s.

Generally speaking, a longer term means a higher interest rate. And you can rest easy knowing your deposits are insured up to $250,000 by the NCUA.

12 MONTH CD

Basic Membership

4.60% APY¹

12 MONTH CD

PremiumPlus Membership

4.85% APY¹

SEE ALL RATES

YOU’VE GOT QUESTIONS.
WE’VE GOT ANSWERS!

WHAT IS THE MINIMUM AMOUNT TO OPEN A CERTIFICATE?

Standard certificates require a $500 minimum to open. Promotional certificates may have other minimum amounts.

HOW DO YOU CALCULATE YOUR RATES?

We take into account current economic and market data when setting our competitive dividend rates.

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WHEN DO YOU PAY DIVIDENDS?

Dividends are paid quarterly and may be posted back to the certificate or transferred to another account without penalty. You can spend your dividends before maturity without penalty.

IS THERE AN EARLY WITHDRAWAL PENALTY?

Yes, you could incur a significant penalty if the principle funds are withdrawn early. Certificates of all terms are subject to an early withdrawal penalty of 180 days of dividends, whether earned or not. If dividends have already been paid, the penalty will be deducted from principle. Unearned dividends will be deducted from principle as a result of early withdraw.

¹APY=Annual Percentage Yield. Rates fixed at time of investment Total certificate balances qualify for rate. Cannot deposit additional funds into the certificate after it is opened. There is a penalty for early withdrawals. Fees may reduce earnings. Subject to Ohio Catholic’s standard deposit policies and membership eligibility.
Minimum deposit $500.00. The advertised rate is the maximum rate available. See our Member Appreciation Program page for additional information. If promotional/program criteria are not met, standard rates may apply. Catholic may discontinue or modify this offer without notice.