Don’t want to lock up your money just to get a good rate?

This promotion expired on December 31, 2016

Instead of settling for the usual, get the security of a share certificate plus high rates and flexibility. 

Our 1/3/5 share certificate is really three certificates bundled together to make it easy to spread your savings across terms. The result is short-term flexibility with great long-term rates.

Here’s how it works: a deposit of $1500* or more is split evenly between a 1-year, a 3-year, and a 5-year certificate. Though there is only one initial deposit, it’s distributed across three independent share accounts, so that when any one of the certificates matures, you are free to cash out or roll over that money into another term. The rates* for each certificate are among the highest in the DC metropolitan area, so you get to keep your options open and get a high yield.

1 year 3 year 5 year
1.26% APY* 1.68% APY* 2.16% APY*

This offer is open to all new and existing credit union members, as well as business members. New or existing money is welcome.†  Offer ends December 31, 2016. Penalties are imposed for early termination.

Call us at 301-933-9100, ext. 298, or visit a branch for more details.


* APY = Annual Percentage Yield. All three certificates must be opened to earn the stated Annual Percentage Yield (APY). Minimum opening deposit is $1500 ($500 per share certificate). Dividends will be credited quarterly on the 1st of the month. After the account is opened, you may not make any additions to the account until the stated maturity date for each certificate. Partial withdrawals are not allowed for any of the certificates. You will have a grace period of ten (10) calendar days after maturity to withdraw funds without being charged an early termination penalty. If no action is taken during the grace period, the certificate will automatically renew to our standard certificate for that same term. The rate and terms in effect at the time of renewal will apply. Promotional rates and terms are subject to end at any time without notice. 

† IRA Certificates are not eligible. 

‡ Withdrawal of funds prior to maturity will cause the certificate to be closed and the forfeiture of the special APY. Early Termination Penalty will reduce earnings. Early termination penalty for the 12-month certificate is 182 days of dividends. Early termination penalty for the 36-month certificate is 365 days of dividends. Early termination penalty for the 60-month certificate is 545 days of dividends. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned.  In other words, if the account has not yet earned enough dividends or the dividend has already been paid, the penalty will be deducted from the principal.