Certificates built to grow
Maximize your savings with guaranteed returns, competitive rates, and peace of mind.
Your savings
on your terms
Choose a Certificate term that aligns with your goals, whether it’s a down payment on a house, a dream vacation, or another milestone.
Fixed-Rate Certificates
A secure way to build your balance with fixed rates and reliable returns.
- Higher yields than savings, checking, and money market accounts
- Flexible terms from 3 to 60 months
- Can be pledged as collateral for a secured loan
- Only requires a $500 minimum deposit2
“Looking at a local bank in Rockland County to do some banking with great rates, I’m so glad we stopped into the Palisades Credit Union. We dealt with Ellen who is top tier in the banking world! She was professional, gave an accurate timeline on what to expect and made our process pain free. It’s a small & clean branch with helpful people. It’s important to feel good about where you bank, and this bank checks off all the boxes.”
- Alane J.
- Palisades CU Member
Want more flexibility?
Enjoy competitive rates and easy access to your funds with a High-Yield Savings Account.
Smart money starts here
We’re where your neighbors enjoy modern tools, online access, and perks that put more back in your pocket.
Courtesy Pay
Cover transactions if you’re short on funds.
Digital Banking
Free for you to use anytime, anywhere.
Palisades Perks
Member-only offers & discounts.
Refer-a-Friend
Spread your love for Palisades and earn rewards.
Learn, grow, and thrive
From budgeting tips to credit-building advice, we’re here to help you make smart financial decisions with confidence.
Current certificate rates
| Product | Rate | APY 2 |
|---|---|---|
| 3 Month | ||
| $500 – $9,999.99 | 0.05% | 0.05% |
| $10,000 – $49,999.99 | 0.10% | 0.10% |
| $50,000 – $99,999.99 | 0.15% | 0.15% |
| $100,000 – $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 6 Month | ||
| $500 – $9,999.99 | 0.05% | 0.05% |
| $10,000 – $49,999.99 | 0.10% | 0.10% |
| $50,000 – $99,999.99 | 0.15% | 0.15% |
| $100,000 – $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 8 Month | ||
| $500 + | 3.73% | 3.80% |
| 12 Month | ||
| $500 – $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 – $99,999.99 | 0.15% | 0.15% |
| $100,000 – $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 18 Month | ||
| $500 – $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 – $99,999.99 | 0.15% | 0.15% |
| $100,000 – $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 24 Month | ||
| $500 – $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 – $99,999.99 | 0.15% | 0.15% |
| $100,000 – $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 25 Month | ||
| $500 + | 3.68% | 3.75% |
| 36 Month | ||
| $500 – $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 – $99,999.99 | 0.15% | 0.15% |
| $100,000 – $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 48 Month | ||
| $500 – $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 – $99,999.99 | 0.15% | 0.15% |
| $100,000 – $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 60 Month | ||
| $500 – $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 – $99,999.99 | 0.15% | 0.15% |
| $100,000 – $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
Certificate Accounts FAQs
Common questions about our certificate accounts.
What is a Certificate Account?
A Certificate Account, sometimes called a Certificate of Deposit (CD) or simply Certificate, is a type of savings account with a fixed term and a fixed interest rate. It typically offers higher returns than a regular savings account in exchange for leaving your money untouched for a set period.
How does it work?
You choose a term (e.g., 6 months, 12 months, 36 months), deposit the account minimum, and earn interest over that period. The interest rate is locked in for the entire term. When the term ends (matures), you can withdraw your funds or renew the certificate!
What are the minimum deposit requirements?
Our certificates require a $500 minimum deposit.9
Would my Certificate Account be insured?
Absolutely. Certificate Accounts are insured by the National Credit Union Association (NCUA) for up to $250,000.
What happens when the term is up?
Once your certificate matures, you can renew it for another term, withdraw the funds, or transfer your money to another account!
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Smarter accounts, real rewards, and the convenient tools you rely on. Get it all from a local credit union rooted in New York and New Jersey.
