September 04, 2025

60 min

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Understanding CDs and Credit Union Share Certificates (CUSCs)

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Understanding CDs and Credit Union Share Certificates (CUSCs)

Discover how CDs and CUSCs could enhance your fixed income strategy in today’s high-rate environment.

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Fidelity Viewpoints^®

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Fidelity Smart Money^℠

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Your ability to sell a CD on the secondary market is subject to market conditions. If your CD has a step rate, the interest rate of your CD may be higher or lower than prevailing market rates. The initial rate on a step rate CD is not the yield to maturity. If your CD has a call provision, which many step rate CDs do, please be aware the decision to call the CD is at the issuer's sole discretion. Also, if the issuer calls the CD, you may be confronted with a less favorable interest rate at which to reinvest your funds. Fidelity makes no judgment as to the credit worthiness of the issuing institution.

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