What is a Certificate of Deposit?

A CD is a savings tool where you deposit money for a fixed period and earn a guaranteed interest rate. It typically earns more than a regular savings account because you're committing your money for a set term. Your rate is locked from day one and never changes for the full term.

How much do I need to open a CD?

Minimum deposit amounts vary by term and product. Visit our Rates page for current minimums, or call us at 954.486.2728 and we'll help you find the right fit.

Can I add money to my CD after opening?

Standard CDs and Bump Rate CDs do not allow additional deposits until maturity. If you want to add money over time, consider a Wish Account or a savings account, then roll the balance into a CD when you're ready. Educator IRA CDs allow one addition per year ($500 minimum, not in the last 7 days before maturity).

What happens if I need my money before the term ends?

You can withdraw early, but a penalty applies. For CDs under 1 year, the penalty is 90 days of interest. For CDs of 1 year or more, it's 180 days of interest. We always recommend choosing a term you're comfortable committing to.

What is the Bump Rate CD?

It works like a standard CD, but with one bonus: if our rates go up during your term, you can call us at 954.486.2728 to bump your rate to the higher one. The new rate applies for the rest of your term. If rates don't go up, your original rate stays.

What is the Educator IRA CD?

It's an IRA certificate designed exclusively for educators. The unique benefit is that you can withdraw up to 20% of your balance every 12 months without a credit union penalty. Keep in mind that IRS tax penalties may still apply to IRA withdrawals — always consult your tax advisor.

What happens when my CD matures?

We'll notify you before maturity. You then have a 10-day grace period to renew at a different term, change your options, or withdraw your funds. If you don't take action, your CD auto-renews at the current rate for the same term. Promotional CDs renew at the standard non-promotional rate.

Are promotional CDs different?

Promotional CDs offer special rates for limited-time terms (like a 13-Month or 6-Month special). They work the same as standard CDs but may have slightly different early withdrawal penalties. When they renew, they renew at the standard rate. Check our Promotions page for current specials.

Is my CD federally insured?

Yes. Every dollar is federally insured up to $250,000 by the NCUA (National Credit Union Administration). CDs are one of the safest places to grow your money.

Where can I see current CD rates?

Visit our Rates page for the latest CD rates, terms, and minimum deposits — updated regularly. You can also view current rates in the rate table on this page.

Long-Term CD Promotion

Grow Your Savings for What’s Next.

Up to4.20%APY*

Lock in a guaranteed rate for 2, 3, 4, or 5 years — perfect for retirement planning, big future goals, or simply letting your savings grow untouched. Open with as little as $500. NCUA-insured up to $250,000.

Compare Terms

Choose Your Term

2 Year CD PSM

4.00%APY*

You’d earn ≈ $0 on a $5,000 deposit

2 year term
Open with $500 min
Fixed APY through term

NCUA Insured up to $250,000

Open This CD →

3 Year CD PSM

4.00%APY*

You’d earn ≈ $0 on a $5,000 deposit

3 year term
Open with $500 min
Fixed APY through term

NCUA Insured up to $250,000

Open This CD →

4 Year CD PSM

4.10%APY*

You’d earn ≈ $0 on a $5,000 deposit

4 year term
Open with $500 min
Fixed APY through term

NCUA Insured up to $250,000

Open This CD →

Highest APY

5 Year CD PSM

4.20%APY*

You’d earn ≈ $0 on a $5,000 deposit

5 year term
Open with $500 min
Fixed APY through term

NCUA Insured up to $250,000

Open This CD →

PSM = Platinum Star Membership. Earnings are estimated end-of-term interest at the current APY on a $5,000 deposit. *Rates are subject to change.

Why Lock In for the Long Term?

Higher APY

Longer terms unlock our best rates. The 5-year CD is our top-tier APY — reward for patience.

Rate-Locked

Your rate is fixed for the entire term. Market goes down? Doesn't matter — you keep the higher rate you locked in.

Compound Growth

Daily compounding, credited monthly. Over 2–5 years, that compounding adds meaningful dollars on top of the rate.

Perfect For…

Retirement planners — pair with an IRA or use as a low-risk ballast in your long-term mix

Future spenders — lock in yield for a house down payment, wedding, or college tuition years away

CD ladder builders — stagger 2, 3, 4, and 5-year terms so you get liquidity every year at the top rate

Long-Term CD Questions, Answered

Find answers to common questions about our checking accounts and services.

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Important Disclosures

*APY = Annual Percentage Yield. Rate = Dividend Rate. Rates shown are our best rates; are correct as of the effective date (07/02/26) shown and are subject to change or end without notice. Your actual rate(s) may vary depending upon a number of factors, including membership level, and length of certificate. Fees could reduce earnings on an account, a penalty will or may be imposed for early withdrawals. Ask a BrightStar Credit Union representative for details. Terms and conditions apply. Membership eligibility required. $500.00 Minimum on Certificate of Deposit. Federally insured by NCUA.

Ready to Lock In Long-Term Growth?

Compare our 2, 3, 4, and 5-year CDs and open in minutes. NCUA insured.

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Long Term CDs

Grow Your Savings for What’s Next.

Choose Your Term

Why Lock In for the Long Term?

Higher APY

Rate-Locked

Compound Growth

Perfect For…

Long-Term CD Questions, Answered

Ready to Lock In Long-Term Growth?

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