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SMW 104 FCU 12-month Liquid Certificate of Deposit means you get the advantage of a great rate and the ability to make withdrawals. You have access to your funds. Plus, you can have an unlimited number of deposits during the 12-month certificate term. Unlike a traditional Certificate of Deposit, you get more flexibility and can put money in or take it out when you need it – all without fees.

It’s an easy and safe way to earn more on the money you invest. Think of it as another way to save where you earn more interest on a lump sum of money you invest over a fixed amount of time. The term “liquid” means you can take some of your money out when you need it. A Liquid Certificate of Deposit differs from a traditional Certificate of Deposit, where you risk paying penalty fees or losing interest for withdrawing your money early or before the investment period is reached.

There is a $1,000 minimum opening deposit, with 50% new funds (money you don’t already have in our Credit Union.)

The longer you leave your money in the account, the more you make. Interest builds up each month, and if you leave the money in for one year, you’re guaranteed to earn the 3.35% Annual Percentage Yield (APY) on your account. Annual Percentage Yield (APY) is the total amount of interest you will make based on the interest rate and frequency of compounding for 365 days.

Yes! “Liquid” means you can withdraw your money anytime without a penalty or a fee. That’s the beauty of it. With our Liquid Certificate of Deposit, after you make the initial $1,000 minimum deposit, you can take out up to 50% of your beginning balance daily without a penalty or fee. 

Not if you leave some money in the account. If you take out more than 50% of your start-of-day balance, you will be subject to withdrawal fees. If your account balance is $1.00 or less, penalty-free withdrawals are not allowed.

Yes, this is a low-risk investment. When you open a Liquid Certificate of Deposit with us, your money is federally insured.


Teen Certificate



Youth Certificate




For a limited time, we have a special offer for you! If you’re saving to fund your next dream or for retirement, put your extra cash into a CD. You’ll earn more interest than with a standard savings or money market account.

4-Month Share and IRA Certificate of Deposit

• 5.00% APY* • Minimum deposit of $1,000

10-Month Share and IRA Certificate of Deposit

• 4.50% APY*
• Minimum deposit of $1,000

*The dividend rate and APY may change at any time. The minimum deposit for the 4–month and 10-month Share/IRA certificate is $1,000. The APY is based on the assumption that the principal and dividends will remain in the account until maturity. Withdrawals, transfers, and fees reduce earnings. Limited time offer. Federally insured by the NCUA.

Youth & Teen CDs

Youth CDs (Ages 0-12)

• No monthly fees
• Minimum deposit of $50 and a maximum deposit of $500
Earn up to 7% on deposits up to $500 for a 1-year CD!

Teen CDs (Ages 13-17)

• No monthly fees
• Earn up to 7% on deposits up to $1,000 for a 1-year CD!

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