7% 6-Month CD at a West Virginia CU - $5K Max/Youth (Star USA)

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Star USA Federal Credit Union has a special 7.00% APY 6-month certificate. The minimum deposit is $250, and the maximum is $5,000. It's called the Future Star CD. There's not much info on the rates table so I called yesterday. I was told that it's a youth CD in which a child must be a co-owner with the adult on the CD. Only one CD per child is allowed.

With a $5K cap you'll earn about $50 over what you would earn in a 5% account during the 6 months. It's not the best deal, but for parents with several children, you should be able to open this CD for each child for a decent return.

Membership is open to anyone who lives, works, worships or attends school in these West Virginia counties: Kanawha, Raleigh, Fayette, Nicholas, Putnam, Cabell, Wayne and Lawrence County Ohio. See their membershp page for more details. Membership requires a $5 minimum deposit into the share savings account.

Branches are located in Charleston, Hurricane, Huntington, St. Albans, Cabin Creek and Beckley WV. The credit union is federally insured by the NCUA (Charter # 911). It has $130.5 million in assets and 19,583 members.
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