Best Credit Union CD Rates Today
Compare current CD APYs from credit unions already tracked by YieldFinder.
Overview
Credit union CDs can offer competitive APYs, but access may depend on membership eligibility. Compare rates with the same term first, then confirm the institution's deposit minimum and early-withdrawal policy.
This comparison is generated only from current CD records whose existing institution name identifies a credit union. Institutions with ambiguous names are omitted instead of being guessed.
Current Credit Union CD Rates
| Note | |||
|---|---|---|---|
5 Year | 4.15% | ||
1 Year | 3.75% | ||
4 Year | 3.65% | ||
5 Year | 3.65% | ||
6 Month | 3.60% | ||
18 Month | 3.60% | ||
2 Year | 3.60% | ||
3 Year | 3.60% | ||
3 Month | 3.10% | ||
11 Month | 3.00% | ||
8 Month | 1.75% | ||
6 Month | 1.25% | ||
7 Month | 1.25% | ||
9 Month | 1.25% | ||
10 Month | 1.25% | ||
1 Year | 1.25% | ||
18 Month | 1.25% | ||
2 Year | 1.25% | ||
30 Month | 1.25% | ||
3 Year | 1.25% | ||
4 Year | 1.25% | ||
3 Month | 1.00% |
Frequently Asked Questions
What is the best credit union CD rate tracked by YieldFinder?
Four Leaf Federal Credit Union currently has the highest credit union CD APY in this comparison at 4.15% for 5 Year, based on rates dated July 11, 2026.
How are credit unions selected for this page?
The page uses the institution names already stored with YieldFinder's CD data and includes names that identify the institution as a credit union. No separate institution-classification dataset is used.
Do I need to join a credit union before opening a CD?
Usually. Membership requirements vary, so verify eligibility, minimum deposits, and early-withdrawal terms on the institution's official site before opening a CD.