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Let those funds grow safe and sound in a CD — we even offer a special CD for kids and teens.

Key Features

  • Fixed Rates
  • Competitive Dividends
  • Wide Range of Terms
  • No Setup or Maintenance Fees


  • Great, low-risk investment option
  • Higher returns than a regular savings account
  • Competitive, fixed rates for guaranteed returns
  • Wide range of terms available (from 6 months to 6 years)
  • Early withdrawal penalties apply*
  • Federally insured by NCUA
  • Open with as little as $500

First Star Certificate of Deposit

The First Star CD is available to our younger members with Rising STARS and genNOW accounts. It features the same terms and great dividend rates as our regular CDs for easy, low-risk savings. 

Open it with as little as $25, and continue to add more throughout the life of the certificate, up to $2,500. It's a great way to start saving at a young age!

  • Available to members up to 18 years old
  • Higher returns than savings accounts
  • Same rates as our regular certificates
  • Guaranteed fixed rates for the term selected
  • Terms of 12, 24 or 36 months
  • Early withdrawal penalties apply*
  • Add funds (up to $2,500) throughout the life of the certificate
  • $25 minimum deposit to open

*We may impose a penalty if you withdraw any of the principle of this certificate account before the maturity date. The amount of the penalty depends on the term of the Certificate account. See our rates and service charges for more information.

*$1 share deposit required. Must qualify for membership. Offer of 5.00% Annual Percentage Yield (APY) on 12-month or 18-month CD have a minimum deposit of $500 to open. Rate/APY is accurate as of 9/22/23. Early withdrawal penalties apply. Offer subject to end without notice. Federally insured by NCUA.