Expedition Credit Union, based in Minnesota, is now offering a competitive 12-Month CD Special with a notable 4.00% APY.
This special is available to both new and existing depositors, with a minimum deposit of $2,500.
The unique aspect of this offer is that it doesn’t exclusively require new money, allowing greater flexibility for members to invest.
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Expedition Credit Union Offer
The 12-Month CD Special sets itself apart with a high APY.
It doesn’t impose a maximum deposit limit, making it an attractive option for a wide range of savers.
Unlike many CD products that restrict funding to new deposits, this CD Special accepts both new and existing funds.
However, it’s important to note that this CD does not feature a bump-up option, which is present in other FlexRate CDs offered by Expedition Credit Union.
Rate last updated March 28, 2025.
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TRENDING DEAL:
Disclaimers:
The Annual Percentage Yield (APY) is accurate as of 2/2/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.21% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account. Show Less
Availability and Account Opening
Joining Expedition Credit Union is accessible to almost any U.S. citizen or resident alien. Membership can be initiated with a $5 donation to the Expedition Foundation.
Additionally, individuals with certain geographic, employment, or educational affiliations in Minnesota also qualify for membership.
Family members of current Expedition Credit Union members are also eligible to join.
Account opening for the 15-Month CD Special can be done by using the chat feature on their website, visiting a local branch, or calling their customer service.
Funding and Other Details
The 12-Month CD can be funded through various methods including ACH, wire transfer, check, or internal transfer. Dividends are compounded and credited quarterly, and members can choose how they receive their interest payments. At maturity, funds can be transferred, wired, or sent as a cashier’s check. The CD offers a 7-day grace period before automatic renewal.
TRENDING DEAL:
Credit Union Overview
Despite a decline in non-brokered deposits, the credit union maintains a strong financial position.
It is the 29th largest credit union in Minnesota, with a rich history dating back to 1957, initially serving the MEA Teachers Union.
The recent rebranding to Expedition Credit Union reflects its diverse and growing membership base.
Our Take on the Offer
Expedition Credit Union’s Certificates are excellent choice for those seeking high returns with moderate commitment.
The flexibility in funding and the additional insurance coverage make it a secure and attractive option for a wide range of investors.
Its competitive APY, combined with the credit union’s overall financial health and easy membership requirements, positions this CD Special as a top contender in the current market for short to medium-term investments.
See more:
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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Needs to be updated! Currently, Expedition has a 12 mo CD paying 4% APY and Checking paying 3.04% APY.
Thanks so much for the heads-up, Nodo! APY rates have been changing so fast lately, and we haven’t been able to keep up.