TODAY'S RATES & SPECIALS

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  • Time Certificates
  • No-Term Certificates
  • Retirement Cert
6 mos 1 yr 18 mos 2 yr 3 yr 4 yr 5 yr
Bonus
Premier
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Early redemption fees apply. Download yield sheet for details.

Freedom Certificate

Enjoy the freedom to access your funds while still earning a time certificate interest rate. With CDF's Freedom Certificate*** you can redeem some or all of your balance without paying an early redemption fee - at any one time during the 20-month term.

Step-up Certificate

Increase your interest earnings if rates rise with CDF's new Step-Up Certificate****. You can request a one-time rate adjustment at any time during the 3-year term; when you do, your investment will earn CDF's prevailing 3-year rate from that date until it matures.

***APY = Annual Percentage Yield. Interest yield assumes that all interest is left in the investment and compounded. Annual Percentage Rate (APR) = 1.54%. The advertised interest yield is valid only on CDF’s 20-month special time certificate or IRA or 403(b). Interest rates are subject to change periodically. CDF will not assess a fee for a one-time early redemption from a Freedom Certificate. IRS fees, taxes and penalties may apply for early redemptions taken from Individual Retirement Accounts or 403(b)s. A six-month interest fee will apply for additional early redemptions. To remain active, the Freedom Certificate must maintain a minimum balance of $1,000, or the investment will be converted to a CDF Flex Certificate. When the time certificate matures, it will automatically renew at CDF’s prevailing two-year rate. IRAs and 403(b)s will automatically renew at CDF’s prevailing three-year retirement certificate rate.


*APY = Annual Percentage Yield. Interest yield assumes that all interest is left in the investment and compounded. Annual Percentage Rate (APR) = 2.722%. The advertised interest yield is valid only on CDF’s 34-month special time certificate. A six-month interest fee will apply for early redemption. When the time certificate matures, it will automatically renew into a 3-year certificate at CDF’s prevailing rate. Limited time offer.

****APY = Annual Percentage Yield. Interest yield assumes that all interest is left in the investment and compounded. Annual Percentage Rate (APR) = 1.74%. The advertised interest yield is valid only on CDF’s three-year special time certificate or IRA or 403(b).The investor may request a one-time adjustment, to CDF’s prevailing three-year rate, at any time during the term of the special certificate by calling (888) 540-7112. It may take up to 10 days for the rate change to become effective. A six-month interest fee will apply for early redemption. When the time certificate matures, it will automatically renew at CDF’s prevailing three-year rate.