grandmother and a little girl granddaughter attend to a house plant

Certificates of Deposit

Save More With a Certificate of Deposit

Earn more on your terms.

Our flexible rates and terms let you choose how you grow your savings.

Discover the benefits of saving smarter

  • Higher Interest Rates: Earn more on your savings than a traditional savings account.
  • Secure Investment: Enjoy the peace of mind that comes with National Credit Union Administration-insured deposits. You can also check out the share insurance estimator to determine coverage limits.
  • Guaranteed Returns: Lock in your interest rate and know exactly how much you'll earn.
  • Flexible Options: Choose from a variety of terms to meet your short-term or long-term savings goals.

Certificate of Deposit Details

Our Certificates offer a simple and flexible way to grow your money. Take a look at the features that make them an attractive choice for savers:

  • Zero minimum balance
  • Zero minimum opening deposit
  • Zero monthly maintenance fees
  • Zero "new money" requirements
  • Dividends are compounded and credited each month
  • Pick 6, 12, 18, 24, 36, 48, or 60-month Certificates
  • Zero-penalty 6-Month Certificate — the ideal short-term starter option. Withdraw your money with no early withdrawal penalty.

Start saving smarter and open your account today.


father gives son piggy back ride while walking in a forested area

View Our Current Certificate Rates

Certificates Rate APY*
6 Month Certificate** 0.995% 1.00%
12 Month Certificate** 2.227% 2.25%
18 Month Certificate** 2.472% 2.50%
24 Month Certificate** 2.472% 2.50%
36 Month Certificate** 2.472% 2.50%
48 Month Certificate** 2.472% 2.50%
60 Month Certificate** 2.472% 2.50%

Promotional Certificate Rates This Way

Earn on your terms, with the rate and flexibility you want.

  • No minimum balance
  • No minimum opening deposit
  • No "new money" requirement
  • Dividends compounded and credited monthly
  • No penalty 6-Month Certificate — the perfect short-term starter option. Withdraw your money with zero early-withdrawal penalty.

It's as easy as 1-2-3 to open a credit union certificate!

  1. Visit a Branch or Call CHROME Care: Stop by one of our branches or call 724.228.2030 to open your certificate.
  2. Pick Your Term: Choose a term that aligns with your savings goals.
  3. Make a Deposit: Fund your new certificate with as much or as little as you like!


“This is an amazing place to bank! The people are awesome, kind, caring ... whatever your needs are you can find it here!”

- Angela, Washington, PA

Certificates of Deposit FAQ

Your funds in a certificate are federally insured by the National Credit Union Administration (NCUA). This insurance guarantees your deposited money up to $250,000.
The APY* on your certificate is primarily determined by two factors:
  • Term length: Certificates with longer terms typically offer higher APYs.
  • Market conditions: Interest rates in the broader economy can influence certificate rates.
When your certificate reaches its maturity date, you have a few options:
  • Withdraw your funds: Access your money along with the earned interest.
  • Renew your certificate: Your certificate can automatically roll over into a new term, potentially at a different interest rate.
  • Consider alternatives: If your financial goals have changed, explore other options like a money market account.

Maximize Your Earnings With Our Member-Only Certificates

Take advantage of our flexible terms, competitive rates, and zero fees to reach your savings goals faster. Open your certificate today and put your hard–earned money to work for you.

*APY = Annual Percentage Yield.

**Rates and Terms are subject to change without notification. Early withdrawal penalties may apply and may reduce earnings. The traditional certificates will auto-renew at the established rate at end of the term. Stated rates as of March 11, 2024 and rates are subject to change. Membership eligibility required. You are invited to join CHROME FCU if you live, learn, work, attend school or worship in Allegheny, Armstrong, Beaver, Butler, Greene, Fayette, Washington, or Westmoreland county.