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5-YEAR CERTIFICATE OF DEPOSIT
Guaranteed growth for life's next chapter
Grow your savings brilliantly with 4% APY*.
This CD was made for you. Find your reason.
Life's biggest goals deserve a guaranteed foundation. Whether you're protecting retirement savings or funding tomorrow's dream, a 5-year CD gives you the certainty other investments can't. Know exactly what you'll earn. No market risk, no surprises — just your money working for you.
View tiers and ratesAPY as high as
4.00%*
on a 60-month Tier
- Safe buffer against stock market swings
- Earn passively for 5 years and watch your money grow
- Enjoy a straight-forward, guaranteed rate of return
- Fund college tuition without market risk
- Build a home down payment with certainty
- Finance a major renovation on your timeline
- Guaranteed return — no market risk
- Supplement retirement income reliably
- Have peace of mind knowing your money is secure
See what your deposit will grow to
Use this Certificate of Deposit Calculator to help determine the potential interest growth at 4% APY over 5 years.
No fees with a low minimum balance.
No monthly service fee when you maintain a $1,000 daily balance.
Higher balances earn higher returns.
Save by locking in our highest dividend rates. Enjoy a guaranteed rate of return.
Aligned with your financial goals.
Put your money goals on cruise control with a secure return you can count on.
Account Benefits
APY= ANNUAL PERCENTAGE YIELD
*Rates and Annual Percentage Yield (APY) effective . Rates and terms are subject to change without notice. Fees could reduce earnings. A penalty may be imposed for early withdrawals. At maturity, the certificate of deposit will renew automatically unless action is taken. Early Withdrawal Penalties - Your account will mature after the applicable term of your Certificate of Deposit set forth above. We will impose a penalty if you withdraw any of the funds in your Certificate of Deposit within the first six days after your Account is opened. The penalty will equal seven day's interest on your account. If you make partial withdrawals of principal prior to the maturity date, penalties will be imposed on the amount of the withdrawal. We will impose a penalty if you redeem your Certificate prior to the maturity date. The penalty will equal all interest earned on 91 day Certificates, 90 days' interest on 6 month Certificates, 180 days' interest on 12, 18 and 24 month Certificates, and 270 days' interest on 30, 36, 48, and 60 month Certificates.
All accounts are subject to membership eligibility requirements. A primary savings or checking account is required for new members and has a one-time $5.00 entrance fee in addition to the minimum opening deposit required by the account. Account opening requirements and monthly service fees vary for account type.
The rates and fees contained in this Schedule are accurate as of the effective date listed above. For current information call the Smart Financial Credit Union at (713) 850-1600. This Rate and Fee Schedule and Account Disclosures sets forth certain conditions, rates, fees and charges which apply to your Certificates of Deposit at Smart Financial Credit Union and is incorporated as part of your Account Agreement with us.
REFER TO THE TRUTH IN SAVINGS DISCLOSURE - CERTIFICATES OF DEPOSIT FOR ADDITIONAL TERMS AND CONDITIONS www.smartcu.org/disclosures/truth-in-savings-CD