Understanding Add-to CD

By opening a BECU Certificate of Deposit (CD) with our add-to option, you can hit your financial goals faster, whether it’s saving for a dream vacation, buying a new car, or building a rainy day fund.

Add-to CDs allow you to make additional deposits to your CD after the CD has been opened. Deposits are made on a recurring basis via automatic transfers, and earn the same original interest rate. Plus, you can choose from several recurring contribution options, including monthly and bi-monthly. When it comes to saving the most money possible, we definitely recommend this "set it and forget it" approach.

Advantages of an add-to CD include:

  • Earning a higher rate of return than a standard savings account
  • Being able to choose the maturity date and term
  • Opening a CD with as little as $100
  • Locking in your funds to prevent the temptation of early spending

Set up an add-to CD and see for yourself how much you'll save. In addition, if you have Member Advantage, you can earn an even higher rate.

Get started by opening a CD through Online Banking, by calling us at 800-233-2328, or by visiting your nearest Neighborhood Financial Center.

See Account Disclosure for further details. Early withdrawal penalties may apply. Fees may reduce earnings.

Note: Effective April 24, 2020, Excess Transaction Fee and transfer limitation is Temporarily Suspended. Regulation D limits the number of transfers or withdrawals from any savings account to six per calendar month. With that in mind, we recommend you use your BECU checking account.

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To open a CD, you must establish and maintain membership by opening a Member Advantage Savings Account or Member Share Savings Account. Early withdrawal penalties may apply. Fees may reduce earnings.