Share Certificates (CDs) | Space Age Credit Union

Secure CDs - Open with as little as $500

If you are looking for a safe and sound deposit account with competitive rates, Space Age offers Certificates (CDs) that you can open with as little as $500 and with the term of your choice, ranging from 90 days to three years.

Our fixed term CDs always provide competitive dividends. Dividends are compounded and paid monthly and at maturity. (Please note that there is a substantial penalty for early withdrawal.)

FLEX CDS

Get a CD that meets your financial situation. Maybe the idea of locking your money into a CD feels too inaccessible or you want to save money, but would like to add to the CD and grow the balance over time while still getting the great interest of a CD. Space Age understands and created the SAFETY NET and BALANCE BUILDER CDs.

SAFETY NET CD

The Safety Net CD is perfect for the person who really wants to save, but doesn't want their money locked away for the duration of the CDs term. Life can be unpredictable and financial emergencies pop up, like needing new tires or a dental procedure. With the Safety Net, your money earns of good interest rate, but once a month you can make a withdrawal if you need that money without a penalty. All you need to do is maintain a minimum balance of $1000 to earn the CDs interest rate*, but you still have the flexibility to access your money if you need it.

1 Monthly Withdrawal without penalty*

12-Month Term

$1,000 Minimum Deposit*

$10,000 Maximum Deposit*

BALANCE BUILDER CD

The Balance Builder is a CD that is for the saver with limited funds. You open the CD with a minimum $1000 and then throughout the term of the CD, you can keep adding to it*. Maybe you want to save $100 a paycheck or you get a commission for good sales or good tips where you work. With unlimited deposits, you can add it to your Balance Builder CD, and a little over a long term adds up fast. You get a good interest rate and the flexibility to keep growing your savings. Keep in mind there are penalties for early withdrawal.

Add More Money at Any Time*

12-Month Term

$1,000 Minimum Deposit*

$10,000 Maximum Deposit*

^*^{Safety Net CD is a 12-month term fixed rate Certificate of Deposit (CD) with a minimum $1,000 deposit and a maximum deposit of $10,000. This specific CD allows for 1 monthly withdrawal without penalty for a total of 12 withdrawals throughout the CD term. In the event the CD drops below the minimum $1,000 monthly balance, the rate reverts to the standard savings account rate of 0.05%. No additional money can be added to this certificate until it matures. This CD will automatically renew at the time of maturity for the same term; CDs will be renewed at the current Safety Net CD rate at that time for a 12-month term.}

^{Balance Builder CD is a 12-month term fixed rate CD with a minimum $1,000 deposit and a maximum deposit of $10,000. This specific CD allows for unlimited additional deposits to the CD throughout the CD’s 12-month term. Early withdrawal penalties apply. This CD will automatically renew at the time of maturity for the same term; CDs will be renewed at the current Balance Builder CD rate at that time for a 12-month term.}