Earn more.
Open now.
Pick a term from 3 to 60 months. Your dividend rate is set the day you open and guaranteed through the term. It’s the highest rate Vida offers on deposits — a federally insured deposit, from $1,000 to start.
Membership required. Vida deposits your $5 membership share for you. $1,000 minimum to open a certificate of 9 months or longer ($2,500 at 6 months, $5,000 at 3 months; IRA certificates $500). Federally insured by NCUA up to $250,000 per owner. Early withdrawal penalties may apply. Rates subject to change.
Minimum Deposit
For terms of 9 months and up. IRA certificates from $500.
Month Terms
Short-term flexibility or long-term commitment. You pick.
Day Grace Period
At maturity, change your mind without penalty.
Monthly Fee
No service fee. Just the rate and the term.
Put your money to work
and earn more.
Set your money aside for a fixed period and earn a rate that doesn't move. At maturity, roll it over or choose a new term. A smart home for money you're growing toward a goal.
- Pick any term from 3 to 60 months
- Your dividend rate is guaranteed from the day you open. It doesn't move.
- Dividends paid monthly. Add them to the certificate or pay out to another Vida account.
- Monthly dividend payments are available for withdrawal without penalty
- At maturity, you get a 7-day grace window to change terms, balance, or withdraw without penalty
- If you don't act, certificate auto-renews at the same term at the current rate
Vida's highest-yielding deposit product. Commit to a term, secure your rate, and earn through the term. Standard certificate mechanics, no surprises.
Selecting the term
is your reward.
Shorter terms keep your money closer to flexible. Longer terms typically pay more — and choosing one is a safe, insured commitment, not a gamble. Pick the term that matches your timeline.
Common term examples shown. Terms from 3 to 60 months are available. Specific terms and current rates are listed on the savings rates page. Talk to Vida about a custom term if your timeline doesn't match the standard breaks.
Four steps.
No surprises.
Certificates have a few moving pieces that other deposit accounts don't. Here's the whole process from open to maturity in plain language.
Pick Your Term
Anywhere from 3 to 60 months. Match the timeline to cash you don't need to touch.
Deposit $1,000+
That's the minimum for terms of 9 months or longer ($2,500 at 6 months, $5,000 at 3 months). Deposit more and earn more. Your rate is guaranteed from the day you open.
Earn Monthly
Dividends post each month. Compound them into the certificate or pay out to another Vida account.
Decide at Maturity
You get a 7-day window to renew, change the term, add or remove funds, or withdraw entirely.
A secure,
insured deposit.
Certificates pay the highest rate Vida offers on deposits because your money is committed for the term you choose. Unlike market investments, your certificate is a deposit, federally insured by NCUA, and your rate is fixed — there is no market risk to your deposit. If you need everyday access instead, Money Market or Savings is a better fit. Same federal protection, different trade-offs.
The stuff people ask first.
What if I need my money before the term ends?
An early withdrawal penalty applies. The exact penalty depends on the term length. Don't open a certificate with money you're going to need before maturity. That's the rule.
What happens at maturity?
You get a 7 calendar day grace window to act. Change the term, add or remove funds, or withdraw entirely without penalty. If you don't act, the certificate automatically renews for the same term at the current rate.
Can I have multiple certificates at different terms?
Yes. This is called a CD ladder. Split your cash across 12, 24, 36, 48, and 60 month certificates. Every year one matures and you can use the cash or roll it into a new 60-month at the current rate. Smart move for long-term savers.
Can I add money to a certificate after I open it?
Not during the term. Certificate terms are fixed. You can add money only at maturity during the 7-day grace window, or by opening a separate certificate.
Are dividends compounded or paid out?
You choose. Compound them into the certificate to grow the balance each month, or have them paid out to your Vida checking or savings account.
Are CDs really safe?
Yes. Vida certificates are federally insured by the NCUA up to $250,000 per owner. The credit union equivalent of FDIC. Your principal can't lose value. The rate is fixed, so it doesn't matter what happens to the broader market.
Commit it.
Earn it.
Apply for membership and open your certificate online. Five minutes start to finish. Spanish-language support at no cost.