Certificate special rates

Our Certificate special rates offer has ended but check back here for future opportunities. See our great everyday credit union rates here.

Learn more about Certificate savings:

Certificate account calculator

Certificate account calculator: Oregon State Credit Union

  • Use this Certificate savings account calculator to help determine potential interest earnings and tax liability.

  • Final interest amount may vary based on the start date of the account and the number of days in each month.

  • Visit a branch today to set up a Certificate account. We're here to help you save more!

CD Information

Assumptions

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Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Questions about our Certificate accounts?

  1. How do you get a Certificate account? Visit one of our branches or call 800-732-0173.

  2. What is a Certificate account? A type of savings account that has a fixed interest rate and a fixed date when you can withdraw funds, known as a maturity date.

  3. What should you do if you're not a member of Oregon State Credit Union? Join at a branch and take advantage of our many excellent savings accounts.

Helpful Certificate account terms

  • Automatic rollover: When a certificate matures, the certificate holder has a certain number of days to move the proceeds to another account. If they do nothing, we automatically reinvest the proceeds into a new certificate based on the terms defined in the disclosure of the original Certificate.

  • Withdraw earned dividends without penalty: Dividend payments are credited monthly and may be withdrawn without penalty at any time.

  • Insured by NCUA: Funds are federally insured by NCUA to at least $250,000.

  • APY: APY is the total amount of dividends you earn on a deposit account over one year.

  • Add-on Certificate: An add-on Certificate is a type of certificate of deposit that allows for money to be added to the account balance after the initial deposit. Money may be added up through the date the Certificate matures.

  • Maturity: A Certificate is said to be mature at the close of business on the last day of the defined term agreed to when the certificate account was opened. At maturity, the funds in the Certificate account can be rolled over to another account or withdrawn with no penalty. If you roll the funds over to another account you are not guaranteed to get the same rate of return.

 

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