Boost Your Savings with a 4.00% APY*
Our special certificate rates are here to help your savings grow — safe, steady, and stress-free.
Why let your money just sit when it could be growing? With a certificate, you’ll lock in a guaranteed rate, enjoy peace of mind, and see your savings take off.
And right now, we’re sweetening the deal with a special limited-time rate:
- 4.00% APY*
- Available on 7-month, 13-month, and 19-month terms.
Open Yours Today
Whether you’ve been with us for years or you’re just discovering the Peak Credit Union difference, this certificate special is a smart move for your money.
Don’t wait — this offer won’t be around forever.
Open a certificate today by calling us at (800) 258-3115, applying online, or visiting your local branch.
Why You'll Love Our Certificates
Your money is insured by NCUA.
We put people before profit.
Promotional Certificate & IRA Rates
Rates as of: 9/8/25
Certificate Rates
Rates as of: 9/8/25
*APY = Annual Percentage Yield. Rates, terms, and conditions are subject to change. A penalty may be imposed for early withdrawal and will impact earnings on the account. Fees may reduce earnings. Minimum balance $500 to open and earn dividends. Youth certificates minimum balance to open and earn dividends is $100. Certificates are available for both individual and business accounts.
Promotional Share Certificates: The 7, 13, and 19-month promotional rate terms will revert to the non-promotional 6, 12, and 18-month terms, respectively, upon maturity. A grace period of 7 days applies.
Insured by NCUA
Build a Certificate Ladder
Looking for steady returns without locking up all your savings at once? Our Certificate Ladder Calculator helps you plan staggered maturity dates, compare rates, and estimate earned interest over time. Enter the amount, number of rungs and target maturities — we’ll show you projected income, next-maturity dates, and which ladder fits your short- and long-term goals. Perfect for income, emergency funds, or planned expenses.
Frequently Asked Questions
What is a certificate?
A certificate (sometimes called a share certificate, certificate of deposit, or CD) is a safe and simple way to grow your money. You deposit your funds for a set term — like 3, 6, 12, or 24 months — and in return, you earn a guaranteed rate of return.
What are the benefits of a certificate?
It’s perfect if you want:
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Steady growth without the guesswork of the stock market
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Peace of mind knowing your money is safe
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Flexible options terms to fit your financial goals
Think of it as a short-term commitment that gives your savings a boost — no surprises, just steady, reliable growth.