Certificate of Deposit

Open a Certificate of Deposit with POECU and earn higher annual percentage yields on 6, 12, or 24-month terms.

There is a minimum deposit of $1,000 to open a Certificate of Deposit. Dividends are paid monthly.
Rates are subject to change without notice.

Share Certificate Rates Effective 3/19/2025

TERM BASE RATE BASE RATE + 0.25% BASE RATE + 0.50% BASE RATE + 0.75% BASE RATE + 1.00% BASE RATE + 1.25%
6-Month 3.04% APY*
3.00% APR^		 3.30% APY*
3.25% APR^		 3.56% APY*
3.50% APR^		 3.82% APY*
3.75% APR^		 4.07% APY*
4.00% APR^		 4.33% APY*
4.25% APR^
12-Month 3.04% APY*
3.00% APR^		 3.30% APY*
3.25% APR^		 3.56% APY*
3.50% APR^		 3.82% APY*
3.75% APR^		 4.07% APY*
4.00% APR^		 4.33% APY*
4.25% APR^
24-Month 2.78% APY*
2.75% APR^		 3.04% APY*
3.00% APR^		 3.30% APY*
3.25% APR^		 3.56% APY*
3.50% APR^		 3.82% APY*
3.75% APR^		 4.07% APY*
4.00% APR^
*APY=ANNUAL PERCENTAGE YIELD
^APR= ANNUAL PERCENTAGE RATE

Contact us by phone at 504-885-6871 or email us at memberservices@poecu.org

Get rewarded for being loyal!

Receive up to 1.25%* higher Dividend Rate on your Certificate of Deposit when you have an active POECU Checking Account, Platinum Visa & are enrolled for eStatments.

CD Reward Qualifications

  • Meet Active Visa account parameters and raise your dividend rate by 0.50%

    • Must be open/active for 90 days

    • Minimum of 2 transactions per month over the previous 3 months

  • Meet Active checking account parameters and raise your dividend rate by 0.50%

    • Must be open/active for 90 days

    • Minimum of 4 transactions per month over the previous 3 months

  • Enroll in eStatments on or before opening your CD and raise your dividend rate by 0.25%

    Maximum Loyalty Reward = 1.25%