Certificate of Deposits

Personal
Banking
Certificates of Deposit

A Certificate of Deposit (CD) is a powerful savings tool to help you reach your financial goals. CDs and IRA CDs offer higher interest rates and flexible terms, making them a safe way to earn more.

Certificate of Deposits (CDs)

Low risk way to grow your savings
Terms available from 91 days to 5 years
Low minimum deposit of $500
Funds insured by the NCUA and MSIC
2 Year CD and 5 Year CD are available to open online

CD Specials

Limited time offer: 5 month and 8 month terms available
Low minimum opening deposit of $500
Lock in a guaranteed great rate
Funds are insured by NCUA and MSIC

IRA CDs

Low minimum opening deposit of $500
Available for both Traditional and Roth IRAs
Lock in a guaranteed great rate for a fixed term
Funds insured by NCUA and MSIC

Starter CD (ages 5-17)

Align's Starter CD teaches kids how to build their very own nest egg. We'll even let them make two additional deposits along the way to boost their savings.

Low minimum deposit of $100
Short 12-month term
A great rate
Funds are insured by NCUA and MSIC

Featured Rates

5 Month CD Special

APY as high as*

4.15

% APY*

1 Year CD

APY as high as*

3.75

% APY*

5 Year CD

APY as high as*

2.85

% APY*

Disclosure:

*APY= Annual Percentage Yield. APY effective as of 08/19/2025.

Member must maintain a minimum daily balance of $500 or more each day to obtain the disclosed annual percentage yield. Only exception is on the starter certificate of deposits (for members ages 5-17), a minimum daily balance of $100 is required to obtain the disclosed annual percentage yield.

Rates on certificates of deposit are guaranteed for the length of the term, all other deposit rates are variable and subject to change after the account is opened. Fees may reduce earnings on accounts. A penalty may be imposed for early withdrawal on Certificates of Deposit. Credit union membership is required. Members must maintain a $5 deposit relationship.

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Convenient Access to Your Accounts

With Align's eServices, you can access your accounts anytime, anywhere, and on any device. Between online banking and our mobile apps*, you can take control of your money on your own terms.

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Checking to Fit Your Lifestyle

Designed to help you manage your money on your own terms, the Align Checking account features no monthly maintenance fees and great benefits including access to thousands of fee free ATMs.

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Money Market Accounts

With an Align Money Market, you can earn more interest than a savings account while still having access to your funds. Plus, there's no monthly maintenance fees and you get the peace of mind that your funds are fully insured by the NCUA and MSIC.

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The Benefits of Membership

Align is a community credit union. We are committed to providing the right financial tools to help you reach your financial goals and deliver a customized banking experience perfectly in sync with you.

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*Message and data rates may apply.

Certificate of Deposits