Youth CDs

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Teach the value of saving at an early age.

A certificate of deposit (CD) is a great way to lock in savings for your child, whether your goal is short term gains or you’ve got your eye on the college fund prize. Visit any branch with your child’s social security number, student ID or other ID card, and your $1 initial deposit to get started.

$100 minimum deposit
Option to add funds during the term of the CD
Same great rates as our regular CDs

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Regular, IRA, and Youth CD Rates

As high as 4.50% APY¹

	$500 – $9,999 ($100 min for youth)		$10,000 +		$100,000 +
12 month special² Platinum or VIP Perks	4.25% 4.50%	4.180% 4.425%	4.25% 4.50%	4.180% 4.425%	4.25% 4.50%	4.180% 4.425%
6 months	2.50%	2.475%	2.75 %	2.725 %	3.00%	2.970%
9 months	3.00%	2.970%	3.25%	3.210%	3.50%	3.450%
1 year	3.30%	3.260%	3.55%	3.500%	3.80%	3.750%
18 months	3.00%	2.970%	3.25%	3.210%	3.50%	3.450%
2 year	2.85%	2.815%	3.10%	3.065%	3.35%	3.310%
30 months	2.55%	2.525%	2.80%	2.775%	3.05%	3.015%
3 year	2.40%	2.375%	2.65%	2.625%	2.90%	2.865%
4 year	2.30%	2.275%	2.55%	2.525%	2.80%	2.775%
5 year	2.25%	2.225%	2.50%	2.475%	2.75%	2.725%
Term	APY¹	Dividend Rate	APY¹	Dividend Rate	APY¹	Dividend Rate

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1 APY = Annual Percentage Yield. Rates are subject to change. Fees may reduce earnings. CDs are subject to early redemption penalties: 6-month CD, loss of 30 days interest; 1-year CD, loss of 90 days interest; 2-5-year CD, loss of 180 days interest. Rates effective .

2 APY = Annual Percentage Yield. Rate accurate as of 11/1/24. Rate subject to change. Available for a limited time. 4.25% APY for 12 months base, Platinum or VIP Perks +0.25% = 4.50% APY. Minimum balance of $500 and maximum of $1,000,000 per member. Funds currently on deposit at Kalsee Credit Union are not eligible. Penalty applies for additional early withdrawals. Fees may reduce earnings. Kalsee Credit Union membership required. See branch for additional details.