Best Credit Union CD Rates
Latest rate data:
| Details | |||
|---|---|---|---|
18 Month | 4.60% | ||
2 Year | 4.50% | ||
5 Year | 4.50% | ||
1 Year | 4.50% | ||
4 Year | 4.45% | ||
3 Year | 4.40% | ||
30 Month | 4.35% | ||
18 Month | 4.15% | ||
5 Year | 4.15% | ||
1 Year | 4.10% | ||
1 Year | 4.05% | ||
6 Month | 4.00% | ||
13 Month | 4.00% | ||
6 Month | 4.00% | ||
2 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 Year | 3.50% | ||
4 Year | 3.35% | ||
3 Month | 3.10% | ||
11 Month | 3.00% |
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.
Credit union membership and certificate minimums vary by institution. Review the provider terms before applying.
Frequently Asked Questions
What is the best credit union CD rate tracked by YieldFinder?
ValorFI Heroes currently has the highest credit union CD APY in this comparison at 4.60% for 18 Month, based on rates dated October 10, 2026.
How are credit unions selected for this page?
Institutions are included when their recorded deposit insurance is NCUA or their name or reviewed identity identifies them as a credit union. Confirm membership eligibility and certificate terms with the institution.
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.