 Certificates for deposits at Communication Federal Credit Union are an easy, safe way for anyone to earn higher rates on savings and investments. Right now, earn 5% APY on 13-month certificates. Keep your money local with guaranteed gains of 5% APY. It only takes a few minutes to switch, so move your money and make more. Stop by any branch today. Communication Federal. Limited time offer requires $1,000 to open. Some restrictions apply.