BUMP your RATE to PUMP UP your EARNINGS

LIMITED TIME OFFER

Earn1.60% APY*

on a 48-Month CD

Earn1.10% APY*

on a 24-Month CD

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Introducing Our 24-Month & 48-Month BUMP CDs

With most CDs, the rate you start with is the one you finish with. That’s not the case with our Bump-Up CD. This unique investment allows you to take advantage of rising rates by giving you the opportunity to bump your rate. You can bump your rate twice with a 48-month CD and once on a 24 month CD.

Bump CD Benefits:

  • $500 minimum opening deposit
  • Even if rates drop, your money will continue to earn the higher rate
  • Add additional funds at any time
  • Certificates require a commitment of time where the funds will not be accessible without penalties applying. These time periods can range from one month to five years. Because of the time commitment, you will earn a higher interest rate on certificates.
  • Like our BrightStar Savings accounts, our CDs are federally insured by the NCUA up to $250,000 for each depositor for all combined deposits. However, if you have joint and individual accounts, you and your spouse may be eligible for additional coverage.
Learn more about our high saving CD rates.
View Rates

* APY = Annual Percentage Yield. Rate = Dividend Rate. Rates shown are our best rates; are correct as of the effective date (05/03/22) 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.

Our Bump Rate CD currently features a Rate Increase Option that allows you to increase your interest rate and Annual Percentage Yield (APY) one time during the first 12 months on a 24-month term Bump CD and two times during the first 36 months on our 48-month Bump CD, if our applicable interest rates increase during the CD term. Bump rate requests cannot be made after the 12th month on a 24-month Bump Rate CD or after the 36th month on the 48-month Bump Rate CD. If you choose to exercise the Rate Increase Option, the new interest rate and APY for the remaining term of your Bump Rate CD will be determined as follows: if a bump is requested during the initial 12 months on a 24-month term Bump Rate CD or in the first 36 months of the 48-month term Bump Rate CD, your new interest rate and APY will be equal to the interest rate and APY for our current Bump Rate CD with the same maturity term as your existing Bump Rate CD. If we are not offering a Bump Rate CD with the original maturity term of your Bump Rate CD on the date of your rate increase request, your new interest rate and APY will be equal to the interest rate and APY for the standard CD we are offering at that time with a minimum balance requirement corresponding to your Bump Rate CD and a term closest to (but shorter) than the original term of your Bump Rate CD. We will not provide notice to you when our interest rates change but our current rates are always available at bscu.org/rates. If at any time during the eligible term of your Bump Rate CD you want to exercise the Rate Increase Option, call our service center, or visit any of our branch locations during normal business hours. This product allows funds to be added at any time during the term of the certificate. At the end of the selected term, the Bump Rate CD will automatically roll into a current market standard certificate rate and term based on the original maturity of the Bump Rate CD.

THE DATE ON WHICH YOU CHOOSE TO USE THE RATE INCREASE OPTION COULD IMPACT, POSITIVELY OR NEGATIVELY, THE TOTAL EARNINGS ON YOUR CD. THE AVAILABILITY OF THE RATE INCREASE OPTION NEITHER IMPLIES NOR GUARANTEES THAT OUR INTEREST RATES WILL INCREASE DURING THE TERM OF ANY BUMP RATE CD.