*APY = Annual Percentage Yield. 15-month CD offer for a limited time. Offer may be withdrawn without notice. Account must be opened using funds that are not currently on deposit at CDC Federal Credit Union. The minimum opening deposit required to earn the advertised APY is $100 and cannot exceed $500,000. After your account is opened and your initial deposit is made, you may not make additional deposits to your certificate. Penalty applies for early withdrawal. Fees may reduce earnings on an account. 15-month CD will renew into a 15-month CD at the 12 to 23 month term rate. Offer not available on business deposits. View our Truth In Savings for more information.