Small Business Certificates of Deposit – CDs

Guaranteed fixed-rate CDs offer a variety of risk-free, flexible saving options with high rates of return. We have terms ranging from 3 to 60 months, and with the Add-To option your initial investment can be as little as $100.

Small Business Certificates of Deposit – CDs APY* effective 07/01/2010
Product	$500 - $49,999.99	$50,000 - $99,999.99	$100,000 +
3 - 5 Month CD   If the opening balance is less than $500, the Add-To feature is mandatory. With this feature, you add to the interest-earning principal balance of your CD with automatic recurring transfers from a BECU account. Interest compounds and is credited monthly. A penalty may be imposed for early withdrawal.	0.50%	0.55%	0.60%
6 - 11 Month CD   If the opening balance is less than $500, the Add-To feature is mandatory. With this feature, you add to the interest-earning principal balance of your CD with automatic recurring transfers from one of your other BECU deposit accounts. Interest compounds and is credited monthly. A penalty may be imposed for early withdrawal.	0.65%	0.70%	0.75%
12 - 17 Month CD   If the opening balance is less than $500, the Add-To feature is mandatory. With this feature, you add to the interest-earning principal balance of your CD with automatic recurring transfers from one of your other BECU deposit accounts. Interest compounds and is credited monthly. A penalty may be imposed for early withdrawal.	0.95%	1.00%	1.06%
12 Month Bump CD   If the opening balance is less than $500, the Add-To feature is mandatory. With this feature, you add to the interest-earning principal balance of your CD with automatic recurring transfers from one of your other BECU deposit accounts. Interest compounds and is credited monthly. A penalty may be imposed for early withdrawal.	0.70%	0.75%	0.80%
18 - 23 Month CD   If the opening balance is less than $500, the Add-To feature is mandatory. With this feature, you add to the interest-earning principal balance of your CD with automatic recurring transfers from one of your other BECU deposit accounts. Interest compounds and is credited monthly. A penalty may be imposed for early withdrawal.	1.11%	1.16%	1.21%
24 - 35 Month CD   If the opening balance is less than $500, the Add-To feature is mandatory. With this feature, you add to the interest-earning principal balance of your CD with automatic recurring transfers from one of your other BECU deposit accounts. Interest compounds and is credited monthly. A penalty may be imposed for early withdrawal.	1.41%	1.46%	1.51%
24 Month Bump CD   If the opening balance is less than $500, the Add-To feature is mandatory. With this feature, you add to the interest-earning principal balance of your CD with automatic recurring transfers from one of your other BECU deposit accounts. Interest compounds and is credited monthly. A penalty may be imposed for early withdrawal.	1.16%	1.21%	1.26%
36 - 47 month CD   If the opening balance is less than $500, the Add-To feature is mandatory. With this feature, you add to the interest-earning principal balance of your CD with automatic recurring transfers from one of your other BECU deposit accounts. Interest compounds and is credited monthly. A penalty may be imposed for early withdrawal.	1.76%	1.82%	1.87%
48 - 59 month CD   If the opening balance is less than $500, the Add-To feature is mandatory. With this feature, you add to the interest-earning principal balance of your CD with automatic recurring transfers from one of your other BECU deposit accounts. Interest compounds and is credited monthly. A penalty may be imposed for early withdrawal.	2.02%	2.07%	2.12%
60 month CD   If the opening balance is less than $500, the Add-To feature is mandatory. With this feature, you add to the interest-earning principal balance of your CD with automatic recurring transfers from one of your other BECU deposit accounts. Interest compounds and is credited monthly. A penalty may be imposed for early withdrawal.	2.27%	2.32%	2.38%

CD Options

Choose a Maturity Date or Term — BECU CDs offer the flexibility to choose a CD by a specific maturity date or by choosing the specific term length.

• Maturity date: Choose the date your CD will mature without being restricted by specific CD term lengths. The benefit is your investment will be available on the date you want it.
• Term: Choose from 3 months to 60 months term lengths. The CD will mature at the end of the term you selected.

Bump — Do you like to keep tabs on financial markets and follow interest rate forecasts? Then choose a 12 or 24 month "Bump" CD. These CDs have a one-time option to increase the interest rate on your investment to BECU’s published rate for the equivalent term CD.

Add-To Option — With the Add-To option, you can make additional contributions while maintaining your fixed interest rate. Choosing Add-To also allows you to open a CD with as little as $100.

Features & Benefits

• Free Online Banking and eStatements
• Fixed rates
• Terms range from 3-60 months with the option to choose your CD by a specific maturity date or by a specific term length
• Greater flexibility with Bump and Add-To options
• Open a CD with as little as $100 with the Add-To feature