Once you’ve selected your preferred Delivery Method, make sure that you’ve tapped Request Code. You should receive your code within a minute, but if you don’t, consult these tips:

Text Code

• You may have to contact your carrier to enable short codes on your device.
• Check that your number on file is correct.
  

Email Code

• Check your spam folder to see if the code email was filtered. Mark the email as “not spam” if the email was filtered.
• Check that your email address on file is correct.

A CD (certificate of deposit)^* is a time deposit, a financial product commonly offered to consumers by financial institutions. CDs are similar to savings accounts in that they are insured and thus carry less risk than equities. CDs are insured by the NCUA for credit unions and the FDIC for banks. They are different from savings accounts in that the CD has a specific, fixed term, and usually, a fixed interest rate. It’s intended that the CD be held until maturity, at which time the money may be withdrawn together with the accrued interest. In exchange for keeping the money on deposit for the agreed-upon term, institutions usually grant higher interest rates than they do on accounts from which money may be withdrawn on demand. Fixed rates are common, but some financial institutions offer CDs with various forms of variable rates, like our own 36-month Step-Up CD option.

*CDs are NCUA Insured to specific limits and offer a fixed rate of return if held to maturity. CDs offered through financial institutions offer a fixed rate of return if held to maturity, whereas the return and principal value of an investment in equities fluctuates with changes in market conditions.

Yes, one of the great new features is the ability to register using the mobile app. The registration process is the same on a mobile device as it is on a laptop or desktop.

Please access your CURewards account through digital banking for rules regarding points usage and expiration.

Interest rates fluctuate based on a variety of factors, including inflation, the pace of economic growth, and Federal Reserve policy. Over time, inflation has the largest influence on the level of interest rates. A modest rate of inflation will almost always lead to low interest rates, while concerns about rising inflation normally cause interest rates to increase. Our nation’s central bank, the Federal Reserve, implements policies designed to manage inflation and interest rates.