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Certificates

Thinkwise Credit Union offers an exciting range of Certificate options that let you grow your savings with guaranteed, competitive rates.

Whether you're saving for the future or looking for a smart investment, our Term Share Certificates give you flexible terms from 3 to 60 months, with a $500 minimum deposit to get started. Rates are locked in for the entire term, providing you with higher returns than a regular savings account. For retirement savers, our Traditional IRA and Roth IRA Term Share Certificates offer 12-month terms with competitive fixed rates, plus the ability to make additional deposits of $100 or more.

Don’t miss our ThinkAhead Term CD, which offers an incredible 4% APY on terms up to 12 months—a perfect way to grow your savings quickly! Plus, we're committed to helping the younger generation start saving early with our Gen T Term CD, designed for youths under 18. With this special certificate, young savers can enjoy competitive rates while learning the value of saving and investing for their future.

Whether you're building your nest egg, planning for retirement, or teaching a child the power of saving, Thinkwise Credit Union's certificate options provide the flexibility, security, and earning potential you need.

Ready to open your CD? Contact us at 909-882-2911 or visit one of our branch locations today to get started!

A Term Share Certificate combines the safety of insured funds with a greater earning potential than a regular Share Savings Account.

  • Term Share Certificates from 3-60 months
  • Rates are locked for the term of the term share
  • $500 minimum balance required
  • Competitive rates
  • 12-month term
  • Requires a $500 minimum balance to open
  • Additional deposits of $100 or more can be made after open date
  • Competitive fixed rates
  • 12-month term
  • Requires a $500 minimum balance to open
  • Additional deposits of $100 or more can be made after open date
  • Competitive fixed rates