Certificate of Deposits
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Grow your savings at a higher interest rate
A certificate of deposit (CD) is a secured time deposit, where money stays in your account for a selected amount of time, earning a promised return. CDs are not only a reliable and secure way to invest your money, but also offer higher interest rates than a regular savings account.
LDTCU offers a variety of CDs, giving you more options to build your savings:
- Standard CDs with an opening deposit starting at $1,000
- IRA CDs available to our Members with LDTCU IRAs
- Jumbo CDs that earn 0.15% above the standard CD rate2
- CDs for kids and teens, for as little as $100
How to aquire a CD with LDTCU
Compare checking accounts
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01
Become a Member
Become a Member of LDTCU with your personal information and KYC verification
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02
Choose your CD
Choose a CD that best fits your needs and financial goals and apply from the options below.
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03
Transfer money
Transfer money to your new LDTCU CD account.
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04
Sit back
Relax for the term of your CD and earn interest on your money.
From competitive rates to flexible terms, a LDTCU CD offers safe, secure, guaranteed returns.
Advantages and benefits of a LDTCU Certificate of Deposit
LDTCU is your investment partner, committed to your financial success. Our experienced advisors provide objective advice, planning tools, and valuable resources to help you pursue your investment goals.
Low minimum deposit
Invest with as little as $1,000 on Standard and IRA CDs.
Withdraw interest without penalty
Spend your interest when and how you see fit.
Safe and secure
Funds up to $250,000 are insured by the National Credit Union Administration.
Manage your money on the go
- Transfer money between accounts
- Deposit checks directly from your mobile device
- Pay bills
- Access your account statements from anywhere, at anytime
- Track spending and create budgets
- Create custom alerts to stay on top of your finances
Wallet Integrations
Pay with your mobile device. LDTCU Mobile Pay allows you to make payments with just a wave of your phone.
