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Save for the future your way.

It’s your future – so at Alltru, we give you different ways to save for it. Whether you’re putting money away for a short-term goal or saving for retirement, our Certificates of Deposit (CDs) let you set money aside and earn almost 100x more interest than a traditional savings account. Each account is federally insured up to $250,000 by the National Credit Union Administration (NCUA).

To Open a Certificate of Deposit (CD):
Alltru member Sherri smiling outside a branch

Sherri

Alltru Member

Save for the future your way.

It’s your future – so at Alltru, we give you different ways to save for it. Whether you’re putting money away for a short-term goal or saving for retirement, our Certificates of Deposit (CDs) let you set money aside and earn almost 100x more interest than a traditional savings account. Each account is federally insured up to $250,000 by the National Credit Union Administration (NCUA).

To Open a Certificate of Deposit (CD):
CD Features

Certificates of Deposit (CD)

Save on your timetable.

When you open a CD, you can start with just $250 and save from three months up to five years. Longer terms earn higher rates – but you’ll pay a penalty if you withdraw early.

Lock-in your interest rate.

Your interest rate is fixed when you open your account and won’t change until the CD reaches maturity (the end of your term). See our free maturity calculator.

Earn money every month.

Interest is compounded, or added to your account, every month.

A photo of a young woman hugging her older mother around the neck while typing on a laptop. Photo is in a circle shape
Alltru Certificate of Deposits (CDs)
Type Term APY*
Certificate of Deposit (CD)*

Earn more interest than a traditional savings account.

3 month
1.00%
6 month
2.50%
7 month

CD Special Rate¹

4.50%
12 month
3.50%
13 month

CD Special Rate2

4.35%
18 month
1.80%
24 month
1.85%
36 month
1.85%
48 month
1.40%
60 month
1.40%

Limited Time CD Offers

7-Month CD

4.50%

APY*

 

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13-Month CD

4.35%

APY*

 

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Let’s Talk

We’re in your neighborhood.

We are St. Louis, through and through. We have branches throughout the metro area. Plus, as a member you’ll have free access to hundreds of local ATMs.

Disclosures

*APY=Annual Percentage Yield. Rates effective 2/18/25. Rates are subject to change. Early withdraw penalties may apply for Certificates of Deposit (CDs). All CDs require a minimum deposit of $250 with the exception of the special term CDs.

1. 7 MONTH SPECIAL CD RATE TERMS: 7 Month Rate for CDs requires $250 minimum deposit and 100% of funds as new funds not currently on deposit at Alltru. A penalty may be imposed for early withdrawal on Certificates of Deposit accounts.

2. 13 MONTH SPECIAL CD RATE TERMS: 13 Month Special Rate for CDs requires $250 minimum deposit and 50% of funds as new funds not currently on deposit at Alltru. A penalty may be imposed for early withdrawal on Certificates of Deposit accounts.

APY=Annual Percentage Yield. Effective 1/6/25, the 4.50% APY on an Alltru 7 Month Certificate of Deposit is 90 times higher than the .05% APY on an Alltru Primary Savings Account.

© 2025 Alltru Credit Union • Equal Housing Lender

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.