CDs & IRAs

Certificates of Deposit

Open a Certificate of Deposit with POECU and earn higher annual percentage yields on 6, 12, or 24-month terms.

There is a minimum deposit of $1,000 to open a Certificate of Deposit. Dividends are paid monthly.
Rates are subject to change without notice.

Share Certificate Rates Effective 3/19/2025

Share Certificate Rates
Term Base Rate Base Rate + 0.25% Base Rate + 0.50% Base Rate + 0.75% Base Rate + 1.00% Base Rate + 1.25%
6-Month 3.04% APY**
3.00% APR*		 3.30% APY**
3.25% APR*		 3.56% APY**
3.50% APR*		 3.82% APY**
3.75% APR*		 4.07% APY**
4.00% APR*		 4.33% APY**
4.25% APR*
12-Month 3.04% APY**
3.00% APR*		 3.30% APY**
3.25% APR*		 3.56% APY**
3.50% APR*		 3.82% APY**
3.75% APR*		 4.07% APY**
4.00% APR*		 4.33% APY**
4.25% APR*
24-Month 2.78% APY**
2.75% APR*		 3.04% APY**
3.00% APR*		 3.30% APY**
3.25% APR*		 3.56% APY**
3.50% APR*		 3.82% APY**
3.75% APR*		 4.07% APY**
4.00% APR*

Contact us by phone at (504) 885-6871 or email us at memberservices@poecu.org.

Get Rewarded for Being Loyal

Receive up to 1.25%* higher Dividend Rate on your Certificate of Deposit when you have an active POECU Checking Account, Platinum Visa, & are enrolled for e-Statements.

CD Reward Qualifications

  • Meet Active Visa account parameters and raise your dividend rate by 0.50%

    • Must be open/active for 90 days

    • Minimum of 2 transactions per month over the previous 3 months

  • Meet Active checking account parameters and raise your dividend rate by 0.50%

    • Must be open/active for 90 days

    • Minimum of 4 transactions per month over the previous 3 months

  • Enroll in e-Statements on or before opening your CD and raise your dividend rate by 0.25%

    Maximum Loyalty Reward = 1.25%

Individual Retirement Accounts

Opening an Individual Retirement Account and investing in it frequently will set you up for a successful retirement. Our IRA offers you a secure Savings Account.

  • No minimum deposit

  • Contributions may be fully tax-deductible

  • Deposit up to $6,000 ($7,000 if you’re age 50 or older)

  • Earnings are not taxed until they are withdrawn

  • Pays dividends of 0.25%* monthly

  • A penalty will be imposed by the IRS for an early withdrawal

  • Distributions may begin at 59 ½ years old

Call us at (504) 885-6871 to speak with our IRA advisor and open an account.

*Rates are subject to change.