Credit Union CD Rates From 4% to 7.5% APY

Credit Union CD Rates From 4% to 7.5% APY

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Searching through the best CD rates, we found several credit unions offering CD rates above 4% and up to 7.5% APY. That's incredible in today's rate environment where even 3% APY sounds good. The catch - small minimum balances. The benefit, relatively short terms. If you want to put money in for a child or grandchild, or are savings for a new piece of furniture or some other moderately priced item, these accounts might be worth a look. As with all credit unions, you must also be eligible for membership. Here's a sampling of what we have found so far.

MidAmerican Credit Union

Mid American is offering a 7.5% APY 7.5 month CD to celebrate the 75th Anniversary of the Credit Union's founding. Congratulations. That's currently the top bank of credit union rate on BestCashCow. The maximum amount that can be invested in this CD is $750. You can become a member if you live or work in one of the Kansas counties that the credit union serves. See a complete list of MidAmerican branches. Mid American has $161 million in assets and a Texas Ratio of 27.65 versus a credit union average of 9.60% according to BestCashCow data.

A+ Federal Credit Union

A+ is offering a 1 year CD paying 5% APYwith a maximum balance of $1,000. You must be a Texas resident to join the credit union and you can apply online or via one of its branches. A+ has $817 million in assets and a Texas Ratio of 3.97% verus the credit union average of 9.60% (lower ratios are better).

Patelco Credit Union

Patelco is offering a 1 Year CD paying 5% APY with a maximum balance of $1,000 to new members. Patelco membership is relatively open and chances are if you want to join you can find a way to do it no matter where you live in the United States. Patelco is one of the larger credit unions in the United States (26th largest according to BestCashCow data) with over $3.5 billion in assets. It's Texas Ratio of 11.06% is just slightly higher than the national CU average of 9.60%.

View a comprehensive table of credit union cd rates in your state by clicking through on the CD tab above.

Sol Nasisi
Sol Nasisi: Sol Nasisi is the co-founder and a past president of BestCashCow, an online resource for comprehensive bank rate information. In this capacity, he closely followed rate trends for all savings-related and loan products and the impact of rate fluctuations on the economy. He specifically focused on how rates impact consumers' ability to borrow and save. He also has authored a wee

Today's Highest Online CD Rates

Bank Product Term Interest Rate (APY)
Charles Schwab Bank, SSB 1-Year 5.40% APY with $1,000 minimum
Finworth, a division of InsBank 1-Year 5.38% APY with $50,000 minimum
TotalDirect, a division of City National Bank of Florida 1-Year 5.35% APY with $25,000 minimum
Dollar Savings Direct, a division of Emigrant Bank 3-Year 5.00% APY with $1,000 minimum
M.Y. Safra Bank 3-Year 4.70% APY with $500 minimum
First Internet Bank of Indiana 3-Year 4.66% APY with $1,000 minimum
First Internet Bank of Indiana 5-Year 4.55% APY with $1,000 minimum
BMO Alto, a division of Bank of Montreal Harris 5-Year 4.50% APY with no minimum
Department of Commerce 5-Year 4.34% APY with $500 minimum

See More Online CD Rates →


  • Me

    December 21, 2018

    This is December 2018 - not 2011!! Time to update these rates - or take this old crap off the internet.

    I was looking or the highest CU CD rates in December 2018.

  • Patricia

    February 08, 2019

    To day is February 8, 2019 - not FU.... 2011!! Time to update these rates - or take this old CRAP off the internet.

    I was looking or the highest CU CD rates in Feb. 2019.

  • Rob

    February 12, 2019

    Hey , I’ll give you 10% interest on a one year dollar deposit. However no deposits over a dollar accepted. WTF ?

  • D

    March 21, 2019

    Need 4%

  • Wayne C.

    February 10, 2023

    Update your information. Today's date is 02-10-2023; Capital One has a CD, for 11 months at 5%. Get your act together, at least for your client's sake.

  • MSO

    May 30, 2023

    what a bunch of bull S!!!!

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