If you have money you won’t be utilizing right away, you might consider opening a Certificate of Deposit or CD. You can open a CD for 3, 6, 12, 24 or 36 months. Keep your money in the account for the entire term to earn a competitive interest rate. The longer your term, the more you earn. Larger balances are also eligible for a higher interest rate. Click here for current Certificate of Deposit rates or talk to a credit union representative for details.