certificates

Save More - Earn More! Certificate Accounts offer competitive dividend rates for members seeking to earn more for their savings for terms from three months all the way up to five years. Youth certificates are also available for ages birth to 17 to help our younger members get a jump start on saving. Additionally, certificate funds are available to use as collateral for a certificate-secured loan at a low rate of interest. 

Make your money work for you! Apply for a Certificate of Deposit Account within Online Banking, stop by any of our branches, or call a Member Service Advisor at (800) 648-8035.

Certificate Rates

4% APY* CD Special

For a limited time, earn 4.00% APY* on a 4-month Certificate of Deposit at BlueOx Credit Union! Whether you're saving for something special or simply looking to grow your money a bit faster, this is a great opportunity to get started. 

Apply for a Certificate of Deposit Account within Online Banking, stop by any of our branches, or call a Member Service Advisor at (800) 648-8035.

estimate your savings

CDs are considered one of the safest forms of investing! Consistent investments over a number of years can be an effective strategy to accumulate wealth. Use our savings calculator to see how to put some strategy into your savings.

Savings Calculator

Have any specific savings goals in mind? What will it take to reach your financial goals? Use the savings goal calculator to get an idea and get more information about the savings plan you should follow, and what you can do to help ensure that you stay on track.

Savings Goal Calculator
 

read our blog

• how do certificates of deposit (CDs) work?
• savings accounts, money markets, and certificates: what’s the difference?

*APY = Annual Percentage Yield. APY is accurate as of February 1, 2025. Fees may reduce earnings. To receive the promotional rate of 4.00% APY, the 4-month CD must be opened with a minimum of $500. Rates are subject to change without prior notification. Penalties will apply for withdrawal before the maturity date of the CD. Dividends are posted monthly. Limited time offer. Federally insured by the NCUA.