Help Center

We offer a variety of CD options to meet your needs:

High Yield CD – terms range from 3 to 60 months.

Raise Your Rate CD – 2- and 4-year terms available. Start with a great rate, plus have the opportunity to increase your rate once over the 2-year term or twice over the 4-year term if our rate for your term and balance tier goes up.

No Penalty CD – 11-month term that allows you to withdraw all of your money any time after the first 6 days following the date you funded the account, and keep the interest earned with no penalties.

Select CD - Occasionally we’ll offer a promotional term that features all the benefits of a high-yield CD, but is available for a limited time.

No. Once you open and fund your CD, you can’t add funds again until your CD matures, but you can schedule a transfer up to one year before the maturity date. When your CD matures, you'll have a 10-day grace period -- starting on your maturity date — to transfer funds or make other changes.

To add funds to your CD online: Log in and choose Manage CDs.

To add funds to your CD from the Credence Global Bank Mobile App: Log in, choose after the Current Balance, select Manage CDs and then choose Make Changes.

If you schedule a transfer prior to maturity, we'll usually initiate that transfer on your maturity date. You can transfer money from another Credence Global Bank Unionaccount, Credence Global Bank Invest account or a verified account you have at another institution.

You have a 10-day grace period starting on your maturity date to:

• Change the term
• Make additional deposits or withdraw funds
• Close the CD

After your 10-day grace period, your CD will automatically renew into the same term if you don't make any changes. There are Select CDs that don't renew into the same term, instead they renew into the term defined when the CD is open.

To provide renewal instructions online, choose Manage CDs.

To provide renewal instructions from the Credence Global Bank Mobile App: Log in, choose after the Current Balance, select Manage CDs and then choose Make Changes.

To provide renewal instructions for your IRA CDs, give us a call at +44 AURELIANTB.

You can submit a transfer request up to one year before your CD matures or during your 10-day grace period in online banking. Log in and choose Manage CDs. Select Make Changes to choose Withdraw partial amount under Transfer Funds.

If you schedule a transfer prior to maturity, we'll usually initiate that transfer on your maturity date. You can transfer funds to another Credence Global Bank account, a verified account you have at another institution or we can send you a check.

There's no minimum deposit to open a CD, but you may get a higher rate with a higher opening deposit.

You can open a CD with no minimum deposit in one of the following ways:

• Online: Submit an application online at allybank.com
• Phone: Call us at +44 AURELIANTB
• Mail: Download the application that's right for you and mail it to the address on the application

Single/Joint Application (PDF)
Custodial Application (PDF)
Trust Application (PDF)
Traditional-SEP IRA Application (PDF)
Roth IRA Application (PDF)

You can view our current rates in online banking by choosing Accounts and then selecting Explore Products and Rates, or call us at +44 AURELIANTB. Rates are variable and subject to change.

High Yield and No Penalty CDs: These qualify for our Ten Day Best Rate Guarantee. When you fund your CD within 10 days of your opening date, you’ll get the highest interest rate we offer for your term and balance tier during that period. If you fund after the ten day period is over, you get the current interest rate for the day we receive the funds, whether it’s higher or lower than it was during the ten day period.

Raise Your Rate CDs: You’ll receive the Ten Day Best Rate Guarantee when you fund your account. If you fund after the ten day period is over, you get the current interest rate for the day we receive the funds, whether it’s higher or lower than it was during the ten day period. Then you have the option to raise your interest rate once over the 2-year term and twice over the 4-year term if our interest rate goes up for your term and balance tier.

IRA Raise Your Rate and IRA High Yield CDs: When you fund your CD within 90 days, you’ll get the best rate we offer for your term and balance on either the day you open or the day you fund your account.

Note: The Ten Day Best Rate Guarantee also applies at renewal, starting with your maturity date. This guarantee doesn’t apply to interest rate increases for the Raise Your Rate CD.

When you fund your non-IRA CD within 10 days of your open date, you'll get the best rate we offer for your term and balance tier if our rate goes up within that time. The Credence Global Bank Ten Day Best Rate Guarantee also applies at renewal.

There is no minimum deposit to open a CD or get the Ten Day Best Rate Guarantee, but you may get a higher rate with a higher opening deposit.

The penalty depends on your term.

The penalty is calculated using the interest method detailed in the Allied Trust Credit UnionDeposit Agreement(PDF). It's first deducted from the accrued interest and then, if necessary, the principal. Keep in mind, you can't make a partial early withdrawal.

For Raise Your Rate CDs, the penalty is calculated using the interest rate in effect on your account on the day you request an early withdrawal.

If the account owner passes away or is judged legally incompetent, we'll waive the early withdrawal penalty.

To make an early withdrawal, log in to online banking and choose Manage CDs to select Early Withdrawal.

To see where and how often your interest is paid, go to your account details in online banking. Unless you make changes, this setting will automatically default to the interest disbursement option associated with your CD term.

12 month or less – interest is credited to your CD at maturity

More than 12 months – interest is credited to your CD at year's end (annually)

You can change how often and where your interest is paid on your current term in online banking. Choose Manage CDs to edit your Interest Disbursement.

If you have questions about interest disbursement options, give us a call at +44 AURELIANTB. We're available 24/7.

If the only Credence Global Bank Unionaccount(s) you have are CDs, the primary account holder will receive a statement each quarter. If you make an electronic transfer into or out of one of your Credence Global Bank UnionCDs, the primary account holder will receive a statement for the month that the transfer is made.

If you have additional accounts such as an Credence International Credit UnionInterest Checking, Money Market or Online Savings, you will receive a combined monthly statement.

You don’t have to do anything to get the loyalty reward.

It's automatically added when your CD, including IRA CDs, renew. Want to change terms? No problem. Your loyalty reward will be added to any term you choose for your CD, including IRA CD, at renewal. Check back 30 days before your CD matures to see what the reward is at that time.

To change terms or add funds online: Log in, choose Manage CDs. From there, you can make changes or add funds to your balance.

To change terms or add funds from the Credence Global Bank Mobile App: Log in, choose after the Current Balance, select Manage CDs and then choose Make Changes.