Introducing the MyTerm CD. Designed to fit your life.

One rate. Any term.

For a limited time, you can now choose any term from 9 months to 60 months and earn the same great rate.

3.85% APY*

Rate effective: June 24, 2026 - Offer expires: July 24, 2026

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Most CDs make you choose between rate and flexibility. MyTerm gives you control.

Typically, CDs offer different rates based on the term and how much you have to invest. MyTerm gives you the same 3.85% APY* regardless of which timeline you pick and how much you are putting into it.

Typical CD	MyTerm CD
Rate varies by term length	Same 3.85% APY* — any term
Higher investment = higher rate (usually)	From 9 months to 5 years — you decide
You fit your life into the product	The product fits around your life
Need to compare tiers before deciding	No guessing. Lock it in. Move forward.

Everything you need to know

Rate

3.85% APY*

Same rate across all terms

Terms Available

9 - 60 Months

Member selects at opening

Minimum Deposit

$1,000

New money only

Share or IRA Certificate

Early Withdrawal

Penalties Apply

No liquid option on this product

Federally

insured

Federally insured by NCUA up to $250,000

Options to Open:

Online, Branch, Phone

Open the way that works best for you

FAQ

Is the rate really the same no matter which term I choose?

Yes, really. 3.85% APY* whether you choose 9 months, 60 months or anything in between. Most CDs vary their rate by term and deposit amount—MyTerm doesn't. That's what makes it different.

What if I need my money before the term ends?

Early withdrawal is available, but standard penalties apply. We encourage members to choose a term they're genuinely comfortable with. That's exactly why the 9–60 month range exists. Note: there is no liquid option on this product.

Can I open this as an IRA?

Yes. MyTerm is available as both a Share Certificate and an IRA Certificate. IRA contribution limits and IRS rules apply.

What happens when my term ends?

You'll be notified before maturity with a grace period to withdraw, renew, or make other changes. No surprises, we make sure you know what's coming.

Do I need to be a MyPoint member?

Yes, membership is required. Joining is simple. Reach out to someone on our team, and we'll walk you through it.

Ready to lock in your rate?

We'll ask a few questions, help you find the right term, and get you set up - no jargon, no pressure.

Schedule a conversation - Open online

*APY=Annual Percentage Yield. Annual Percentage Yields are anticipated rates and are accurate as of . See our Account Agreement and Disclosure for more information. All dividend rates are subject to change at any time. Penalties may be imposed for early withdrawal of term deposits (e.g. certificates). Fees could reduce earnings on accounts.

IRA=Individual Retirement Account

Member selects term between 9 and 60 months at account opening; term cannot be changed after opening. At maturity, funds will automatically convert to a non-promotional, 1-year IRA Certificate for the IRA product or 1-year Share Certificate for the Share Certificate product, at the current rate then in effect.