9 month CD Special Certificate of Deposit: 4.00% APY²
Whether saving for a specific goal or simply looking to grow your money, our 9-month CD is the perfect solution. Enjoy the benefits of a higher interest rate than traditional savings accounts, and take advantage of the peace of mind that comes with knowing your investment is protected and growing steadily. Open your 9 month CD Special today and start earning more with a competitive APY² of 4.00%. It’s time to make your money work harder for you! Penalty for early withdrawal.
The 9 month CD Special and your savings at People Driven Credit Union are federally insured up to $250,000 per depositor by the National Credit Union Administration (NCUA), an independent agency of the U.S. government. That coverage applies to your 9-month CD Special, along with all other PDCU deposit accounts including checking, savings, money market, and IRA certificates.
If you have accounts in different ownership categories, such as individual and joint accounts, each category is insured separately up to the $250,000 limit. The NCUA’s deposit insurance is backed by the full faith and credit of the United States Government, the same backing that covers FDIC-insured bank deposits. You can learn more about how coverage is calculated and verify your own coverage at the NCUA’s official share insurance estimator at mycreditunion.gov
9-Month CD Special
Lock in 4.00% APY² for 9 months
A certificate of deposit, or CD, gives you a fixed rate for a set term. With the PDCU 9-Month CD Special, you deposit at least $500, keep the funds in the certificate for 9 months, and earn the stated APY² for the term.
- Earn 4.00% APY²
- 9-month certificate term
- $500 minimum deposit to open
- No monthly or maintenance fees
- Fixed rate for the certificate term
- Federally insured by NCUA
Rate Effective as of:
Best for
A 9-Month CD Special is a good fit when you want a strong rate for a shorter savings term.
- Short-term savings goals
- Money you do not need to access right away
- Earning a fixed APY² for 9 months
- Setting aside funds for planned expenses
- Keeping savings separate from everyday spending
- Members who want a higher earning option than standard savings
Certificate details
Here is a quick look at how the 9-Month CD Special works.
| Feature | 9-Month CD Special |
|---|---|
| APY² | 4.00% APY² |
| Term | 9 months |
| Minimum opening deposit | $500 |
| Monthly service fee | No monthly or maintenance fees |
| Rate type | Fixed for the certificate term |
| Early withdrawal penalty | Loss of 90 days’ interest for early withdrawal |
| Best use | Short-term savings with a fixed rate |
| Membership | Membership and eligibility requirements apply |
How a 9-Month CD Special works
A 9-Month CD Special is designed for money you can leave deposited for the full certificate term. You open the certificate with at least $500, earn a fixed APY² for 9 months, and then choose what to do with the funds when the certificate matures.
- Open the CD with a minimum deposit of $500
- Keep the funds deposited for the 9-month term
- Earn 4.00% APY² during the term
- At maturity, withdraw the funds, transfer the funds, or renew into another certificate option
Early withdrawals may result in a penalty and may reduce earnings.
Why choose a 9-Month CD Special?
A 9-Month CD Special can help you earn more on savings you do not need right away. It gives you a fixed rate for a defined period, which can make it easier to plan compared with accounts that have variable rates.
- Know your rate for the full 9-month term
- Earn 4.00% APY²
- Use it for short-term savings goals
- Avoid market risk tied to investment products
- Keep your deposits federally insured by NCUA
Compare CD options
A 9-Month CD Special can be a strong choice when you want a fixed rate for a shorter term. PDCU also offers other certificate options for members who want a longer term, a lower opening deposit, youth savings, retirement savings, or jumbo certificate options.
| CD Option | Best For | Minimum Opening Deposit | Term or Access | Learn More |
|---|---|---|---|---|
| 9-Month CD Special | Members who want a short-term CD with a featured fixed APY² | $500 | 9-month term. Early withdrawal penalty may apply. | You’re viewing this option |
| 16-Month CD Special | Members who want a longer featured CD special while keeping a defined timeline | $500 | 16-month term. Early withdrawal penalty may apply. | View 16-Month CD Special |
| Standard Certificates of Deposit | Members who want to choose from multiple fixed-rate CD terms | $500 | Terms available from 6 months to 5 years. Early withdrawal penalty may apply. | Compare Standard CD Options |
| Jumbo Certificates of Deposit | Members with larger balances who want fixed-rate certificate options | $25,000 | Jumbo CD terms available from 6 months to 5 years. Early withdrawal penalty may apply. | Compare Jumbo CD Options |
| Save to Win® Certificate | Members who want to build savings while earning chances to win cash prizes | $25 | 1-year certificate. Entry limits, eligibility, and official rules apply. | View Save to Win® Certificate |
| Youth Certificate of Deposit | Parents, guardians, or custodians who want to help a child build savings | $25 | 1-year certificate for members under 18. Early withdrawal penalty may apply. | View Youth CD |
| IRA Certificates | Members saving for retirement or education with eligible IRA options | $500 | Available as Roth, Traditional, or Educational IRA Certificates. Tax rules and withdrawal restrictions may apply. | View IRA Certificates |
Membership and account protection
9-Month CD Specials are available to qualifying People Driven Credit Union members. Membership is open to those who live, work, worship, or attend school in Michigan, plus relatives of current members.
A $5 Membership Share Savings deposit establishes membership. Membership and eligibility requirements apply. Approval is subject to application.
Your savings are federally insured by the National Credit Union Administration, backed by the full faith and credit of the United States Government.
How to open a 9-Month CD Special
Opening a 9-Month CD Special is simple. You can open your certificate online, visit a PDCU branch, or contact us for help getting started.
- Open with a minimum deposit of $500
- Review the current 4.00% APY² rate
- Confirm membership eligibility
- Fund your certificate
Once your CD is open, you can manage your account through online banking, the MyPDCU app, by phone, or at a branch.
Frequently asked questions
A 9-Month CD Special is a certificate of deposit with a fixed 9-month term. You deposit money into the certificate, earn a fixed APY² during the term, and can access the funds at maturity.
The current APY² for the 9-Month CD Special is 4.00% APY². Rates are subject to change at any time without notice.
The minimum deposit to open a 9-Month CD Special is $500.
A 9-Month CD Special is funded when the certificate is opened. If you want to deposit additional funds, contact People Driven Credit Union to review your available certificate options.
Yes, but early withdrawals may result in a penalty. The early withdrawal penalty for the 9-Month CD Special is the loss of 90 days’ interest. Early withdrawals and applicable fees may reduce earnings.
When your CD matures, you can withdraw the funds, transfer the funds to another account, or renew into an available certificate option. Contact PDCU before maturity if you have questions about your options.
Yes. The APY² is fixed for the 9-month certificate term once the CD is opened.
It depends on your goal. A 9-Month CD Special may be a better fit if you want a fixed rate and do not need access to the money during the term. A savings account may be better if you need more flexibility.
Yes. Membership and eligibility requirements apply. People Driven Credit Union membership is open to those who live, work, worship, or attend school in Michigan, plus relatives of current members.
Yes. People Driven Credit Union deposit accounts are federally insured by the National Credit Union Administration, backed by the full faith and credit of the United States Government.
Disclosures
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