Lock In. Sit Back. Earn More.
Certificates of Deposit give you a guaranteed rate for a guaranteed term. No market risk. No guessing. Just steady, predictable growth on the money you can set aside.
Why BrightStar CDs Are a Smart Move
Guaranteed Rate
Your rate is locked from day one — it never drops. No matter what the market does, your return is certain.
Earn More Than Savings
CD rates are typically higher than standard savings accounts. Your patience is rewarded with better returns.
Flexible Terms
Choose from short-term to long-term — from 1 month to 5 years. Match your timeline to your goals.
Federally Insured
Every dollar insured up to $250,000 by NCUA — zero risk. Your money is as safe as it gets.
How a Certificate of Deposit Works
It's one of the simplest ways to grow your money
1. Choose Your Term & Deposit
Pick how long you want to save — from a few months to several years. Deposit your funds and your rate locks in immediately.
2. Earn Guaranteed Interest
Every day your balance earns interest. Every month it compounds and credits to your account. Your rate never changes for the full term.
3. Collect at Maturity
When your term ends, you get your full deposit plus all the interest you've earned. Renew, move it to savings, or use it however you'd like.
Note: You'll have a 10-day grace period after maturity to make changes before your CD auto-renews.
Choose the CD That Fits Your Strategy
Whether you want a short commitment, long-term growth, or protection against rising rates — we have a CD for you.
Certificate of Deposit
Guaranteed growth on your terms. Choose your term to match your goals — your rate is locked for the full duration.
Perks:
- Rate locked for the full term
- Interest compounded and credited monthly
- Option to receive interest monthly or let it grow
- Auto-renews at maturity (10-day grace period)
- Daily balance method — every dollar earns from day one
- Federally insured up to $250,000
Bump Rate CD
Lock in now — bump up if rates rise. Start with a competitive rate, then use your one-time bump option if rates increase during your term.
Perks:
- Start with a competitive locked rate
- One-time option to bump to the current higher rate
- New rate applies for the rest of your term
- Interest compounded and credited monthly
- If you never bump, your original rate stays
- Same security and NCUA insurance as standard CDs
Educator IRA CD
Retirement savings with extra flexibility — designed exclusively for Broward County educators. Tax-advantaged IRA growth with unique withdrawal privileges.
Perks:
- Tax-advantaged IRA growth
- Withdraw up to 20% of balance every 12 months — penalty free
- Interest compounded and credited monthly
- Special flexibility not available on standard CDs
- Part of BrightStar's exclusive Educator Benefits package
Current CD Rates
Rates are set by our board and may change — lock yours in today before they do.
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Rates effective as of . Rates may change at any time.
* APY = Annual Percentage Yield. Rate is fixed for the term.
Penalty for early withdrawal may apply. See disclosure for details.
PSM = Payroll Savings Method — higher rate available with qualifying direct deposit.
Looking for a special rate? Check our current CD promotions.
View Promotions →Smart Ways to Use CDs
CDs aren't one-size-fits-all — here are strategies members use to maximize their returns
Build a CD Ladder
Split your money across multiple CDs with different maturity dates. As each one matures, reinvest at the current rate. This gives you regular access to some of your money while still earning higher long-term rates. Example: Put $5,000 each into a 12-month, 24-month, and 36-month CD.
Match Your Term to Your Goal
Have a wedding in 18 months? A tuition bill in 2 years? Pick the CD term that lines up with when you'll need the money. Your rate is locked, your date is set, and your money grows on autopilot until you need it.
Use the Bump Rate CD
Think rates might go up? The Bump Rate CD lets you lock in a solid rate now, with one free upgrade if rates climb during your term. You get the security of a CD with a built-in safety net.
Is a CD Right for You?
Here's how CDs compare to other ways to save
CD vs Savings Account
A savings account gives you easy access but a lower rate. A CD gives you a higher guaranteed rate, but your money is committed for a term. If you won't need the money for a while, a CD will almost always earn you more.
View Savings AccountsCD vs Money Market
Money Market accounts offer higher rates than savings and let you write checks — but the rate can change. A CD locks in your rate, so you know exactly what you'll earn. If predictability matters, the CD wins.
View Money MarketCD vs Wish Account
The Wish Account is like a mini CD you can keep adding to. It's great for actively saving toward a goal. A CD is better when you already have the lump sum and want the highest guaranteed return.
View Wish AccountWhen Your CD Matures
Here's what to expect — no surprises
Before Maturity
We'll send you a renewal notice so you know your maturity date is coming up. No need to track it yourself — we've got it covered.
At Maturity
You have a 10-day grace period to decide: renew at the current rate, change to a different term, withdraw your funds, or do nothing and it auto-renews.
After Renewal
If your CD auto-renews, your new rate will be whatever we're offering for that term on the maturity date. Promotional CDs renew at the standard (non-promotional) rate.
Want to withdraw before maturity? You can, but early withdrawal penalties apply. View full details →
CD Questions, Answered
Find answers to common questions about our checking accounts and services.
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Ready to Lock In Your Rate?
Earn guaranteed returns with a BrightStar Credit Union CD. Every dollar federally insured by NCUA up to $250,000.