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Build your Savings with Destinations Credit Union

Use Tax Refunds, Bonuses & More

Your credit union is a safe place for your savings! Not only are your deposits federally insured, Destinations offers excess share insurance and a range of savings options.
 
Share certificates and Individual Retirement Account (IRA) certificates from Destinations provide a guarantee in the form of fixed rates and higher earning potential than regular savings accounts.
 
Plus, you can request an optional one-time rate boost through our “Step-Up” option should our rates increase during your certificate term.*
 
Members may also choose to add funds to existing certificates during the fifteen (15) day maturity grace period.
 
It’s easy to get started with a $500 minimum deposit to open and no set-up or monthly maintenance fees. Choose the term, from 6 months to 5 years, that works best for you.
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Share & IRA Certificates2

TermDividend RateAnnual Percentage Yield (APY)Minimum
6 Months2.960%3.000%$500
12 Months (1 Year)3.200%3.250%$500
24 Months (2 Years)2.810%2.850%$500
36 Months (3 Years)2.720%2.750%$500
60 Months (5 Years)2.960%3.000%$500

Your savings are federally insured by NCUA up to at least $250,000. Plus, enjoy an additional $250,000 in coverage through Excess Share Insurance.
*Members have the opportunity to “Step Up” to a higher rate (should rates increase) one time during the certificate term. Minimum to open any Certificate is $500. There is a substantial penalty for early withdrawal. The penalty is an amount equal to 90 days worth of interest on the amount withdrawn whether it is earned or not. (This may reduce the principal of your Share Certificate.) If the certificate falls below the minimum required, the account will be closed and the penalty will apply to the full amount.