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Credit Union CD Rates – 18-Month – Naples, Florida

You are viewing rates from credit unions across Naples


Below are eighteen month Certificates of Deposit (CD) rates from credit unions in Naples, Florida. Eighteen Month CDs offer a bit more yield than 1 year CDs but require a longer time-commitment. Like any CD, you should consider the trade-off between the difference in yield and the required time commitment. If an 18 month CD pays significantly above the yield of a 12-month CD, it may be worth opening.

Naples, FL - May 25, 2024

18 Month CD National Average : 0.73% ?

Credit Unions APY MIN MILES ?
Frontwave
Restrictions

6.00%

$1,000

-

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Rate History: 5.00% → 4.75% → 4.50% → 4.00% → 6.00%

| Feb 4, 2020

This is false advertising. The actual apy is 2.5º\º Read More

Mccoy
Restrictions

5.38%

$1,000

-

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| Feb 29, 2020

After being part of this credit union for many years have am closing my accounts. I deposited a very large check from an estate account they told me they needed to put a hold. No problem. The time is u... Read More

5.30%

5.10%
5.00%

$25,000

$10,000
$500

-

Learn More

Rate History: 5.10% → 5.00% → 5.00% → 5.30% → 5.25%

| Jul 10, 2019

Does credit human use ChexSystems Read More

Rate History: 5.05% → 5.25% → 5.11%

Wings Financial
Restrictions

5.05%

$500

-

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Rate History: 4.05% → 3.30% → 4.25% → 3.90% → 5.00%

Rate History: 0.50% → 4.50% → 5.00%

Rate History: 4.50% → 5.00%

Rate History: 4.75% → 4.65% → 5.00% → 4.95%

Rate History: 5.35% → 5.05% → 4.95%

| Mar 22, 2024

Their CD rates are reasonable and their Visa rewards is very good at 2.5% on all purchases up to 10K/month. Their customer service is polite and helpful. However, their IT department must need some serio... Read More

Rate History: 4.90% → 5.25% → 4.90%

| Jan 12, 2022

I did a signature loan to pay off two credit cards in December 2021 of $10,000 @ 10.75 % Then 30 days later in January 2022 Suncoast offers its members to pay off your credit cards @ 5.9 % That did not s... Read More

Rate History: 4.60% → 4.85% → 4.87%

Rate History: 5.13% → 4.86%

Rate History: 4.90% → 4.75% → 4.86%

Rate History: 4.10% → 0.70% → 0.70%

Rate History: 5.25% → 5.30% → 5.25% → 5.00% → 4.85%

Rate History: 4.81% → 4.80%

Rate History: 5.13% → 5.02% → 4.76%

| Dec 14, 2022

Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More

| Sep 8, 2022

Great place to bank. Love credit unions and the staff here. Best rates in Austin at Star of Texas! Read More

Rate History: 0.01% → 4.50% → 4.75%

| Mar 5, 2020

Very easy to open A CD or M&M account. They use Transunion to verify credit so just thaw your freeze for A day or 2 and your good to go. I was helped by Holly and Natalie and had no issues at the Cambridg... Read More

| Dec 22, 2020

Where is the 4.00/% rate? It doesn’t seem to exist? Read More

Rate History: 5.50% → 5.70% → 5.30% → 4.75%

Rate History: 5.25% → 4.75%

Rate History: 5.05% → 4.30% → 4.35% → 4.45% → 4.75%

Rate History: 4.44% → 4.70%

| Nov 30, 2020

I will never do business with grow again. Very dissatisfied as a client. Read More

Rate History: 4.85% → 5.12% → 4.70%

| Jun 1, 2019

Yes... Read More

| Jan 24, 2020

This rate is not accurate as it is 2.25% Read More

Rate History: 4.90% → 5.15% → 5.40% → 5.15% → 4.65%

Rate History: 3.82% → 4.71% → 5.39% → 5.13% → 4.60%

| May 4, 2016

Refi, no cash out, no second Read More

Rate History: 4.90% → 4.75% → 4.60%

| Sep 27, 2016

why have you not updated your rates Read More

Rate History: 2.53% → 3.30% → 4.59%

| Aug 15, 2019

I applied for a jumbo CD account over two weeks ago. They asked me for more documentation than my mortgage company did and then they did a hard credit pull. They advertise fast and simple they are simply n... Read More

Rate History: 5.12% → 4.85% → 4.59% → 4.44% → 4.59%

15-Month CD Special.

Rate History: 4.49% → 5.01% → 4.69% → 4.59%

Ingersoll-rand
Restrictions

4.58%

$1,000

-

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Rate History: 5.00% → 4.55%

Rate History: 3.75% → 4.55%

Rate History: 3.70% → 4.55%

Rate History: 4.50% → 5.15% → 4.85% → 4.60% → 4.55%

4.55%

4.39%

$10,000

$1,000

-

Learn More

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

Rate History: 5.30% → 5.50% → 5.75% → 5.20% → 4.50%

Rate History: 0.85% → 4.25% → 4.60% → 4.50%

Rate History: 4.45% → 4.60% → 4.81% → 4.71% → 4.50%

| Dec 30, 2018

Best financial institution in NC. Highest rates on savings and is involved with helping their customers and the communities they operate in. Read More

Rate History: 3.14% → 3.81% → 5.12% → 5.00% → 4.50%

Rate History: 5.25% → 4.75% → 4.50%

Fairwinds
Restrictions

4.50%

$1,000

-

Learn More

| Feb 27, 2020

Always enjoy competitive CD rates, easy convenient loan processing, and staff is always Ben friendly a knowledgeable Read More

Rate History: 4.76% → 4.50%

Rate History: 5.12% → 5.01% → 4.49% → 4.23% → 4.49%

Rate History: 5.10% → 4.45%

Rate History: 2.50% → 4.55% → 4.45%

| Apr 13, 2020

OMG! The worst. If you want to take your money out it is very difficult. Even though the IRS doesn't require anyone to tell why they are taking money out unless it is more than $10k these people will n... Read More

Rate History: 5.06% → 4.91% → 4.80% → 4.59% → 4.44%

| Feb 6, 2023

Everyone was very friendly and helpful. Read More

Rate History: 4.75% → 4.70% → 4.52% → 4.43%

Rate History: 4.50% → 4.85% → 4.75% → 4.50% → 4.40%

Rate History: 4.50% → 5.25% → 4.50% → 5.05% → 4.40%

| Dec 19, 2019

Ali123 Read More

Rate History: 4.25% → 4.40% → 4.60% → 4.35%

Rate History: 4.16% → 4.50% → 4.35%

Rate History: 4.42% → 4.52% → 4.42% → 4.32%

| Jan 21, 2021

Horrible untrustworthy people and a grifter mentality, stay away! Closed my account and reported them to https://www.ncua.gov/. Read More

Rate History: 3.30% → 3.80% → 5.00% → 4.30%

Rate History: 5.35% → 5.00% → 4.30%

| Dec 25, 2023

I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More

Rate History: 3.75% → 4.25%

Rate History: 4.50% → 4.75% → 4.25%

Rate History: 4.85% → 4.25%

Rate History: 4.50% → 4.25%

Rate History: 4.30% → 4.70% → 4.50% → 4.45% → 4.20%

Rate History: 3.75% → 4.20%

| Feb 12, 2022

Community First CU does NOT offer online Principal Payments on loans. CFCU online services are 20 years behind the industry. Online Principal payments are offered at Credit unions. Avoid Community First Cr... Read More

Rate History: 4.00% → 4.15%

Rate History: 4.40% → 4.15%

| Aug 17, 2016

Hello, I am the CEO of a small credit union here in Dallas, and we are currently looking for another credit union to deposit a CD into. We are not receiving much of a benefit from our current instituti... Read More

Rate History: 4.25% → 4.15%

Redwood
Restrictions

4.10%

$1,000

-

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Rate History: 4.26% → 4.35% → 4.10%

| Apr 25, 2021

It has some of the most inept, cold workers. They do not return calls. You have trouble using payments or transactions by phone as they charge you. For months during COVID no hand sanitizer was present ... Read More

| Aug 10, 2021

There does not seem to be anywhere that I can locate info as to what my membership rights are in relation to decision making for the Credit Union. This seems to be a problem for any institution that is sup... Read More

Rate History: 3.30% → 4.09%

Rate History: 3.20% → 4.07%

Rate History: 4.75% → 4.50% → 5.45% → 4.16% → 4.07%

| Apr 12, 2019

Your website states 11 months IRA CD at 3% but when I called in morning, I was told that it expired on 4/10. please update your website. Read More

Rate History: 2.15% → 4.05%

Rate History: 2.00% → 3.50% → 4.00%

| Dec 22, 2021

STCU this rate is over twice what I was told at the credit union Read More

| Feb 6, 2023

max. amt. per account thats insured under your ncua? limit on how many accts? Read More

Rate History: 4.00% → 4.10% → 5.00% → 4.10% → 4.00%

Rate History: 3.00% → 4.00%

Rate History: 2.05% → 4.00%

Rate History: 3.75% → 4.00%

| Oct 9, 2023

Member for 50 years and have aeen it grow and develop with changing times and technology quickly and smoothly. Has helped me and my family, tremendously, through any and all crisis... don't know how Id ha ... Read More

Rate History: 4.33% → 3.95% → 3.68% → 3.95%

Rate History: 2.01% → 5.12% → 2.01% → 1.51% → 3.92%

| Sep 30, 2016

what the rate on 5 years cd if your a elite member Read More

Rate History: 3.85% → 4.06% → 3.96% → 3.70% → 3.85%

Rate History: 3.50% → 4.05% → 3.80%

Rate History: 4.50% → 3.80%

Rate History: 4.35% → 4.10% → 4.05% → 3.90% → 3.80%

| Oct 7, 2023

Have a problem that ICan not find an answer to in DFCU Financial. Trying to change info from USMail to Internet. They ask for my account number and the only thing I can find is onPurshing note. It is, H25... Read More

Rate History: 3.50% → 3.66%

| Aug 8, 2023

The mobile banking issues happened during a planned conversion to a new platform. VyStar said all funds are secure. The bank is using local banking tech firm Nymbus to launch the new platform electing it a... Read More

| Nov 24, 2020

Earlier this year just before the pandemic I was involved in a vehicular accident that resulted in me losing my car in total loss. Following the trend of how 2020 has gone, my hours for work were cut do to... Read More

The Golden 1
Restrictions

3.55%

3.45%

$100,000

$500

-

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Rate History: 3.78% → 3.55%

Rate History: 3.30% → 4.30% → 3.50%

| Dec 7, 2020

Worst Bank EVER!!!!, 1. They have more account intrusions than a windows OS and when you ask how it happened, they inform you have to file a police report in order to receive that information that doesn't ... Read More

Rate History: 4.50% → 4.25% → 4.00% → 3.75% → 3.50%

Rate History: 3.25% → 3.00% → 3.50%

Rate History: 1.50% → 2.50% → 3.50%

Rate History: 3.50% → 3.10% → 3.50%

Green Country
Restrictions

3.50%

$50,000

-

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Rate History: 4.50% → 3.50% → 3.44%

| Nov 19, 2022

Ratio of loans vs deposits appears Greenwood is overlevereged when compared to similar credit unions in the USA. Read More

Rate History: 2.95% → 3.30% → 3.35%

Rate History: 5.45% → 3.30%

| Oct 17, 2018

This was a great credit union when it was Florida Telco. They have lost all their former great customer service. Trying care about their members anymore.... It's just like a bank Read More

Rate History: 4.86% → 3.30% → 3.25%

| Sep 11, 2020

Rate is now 2.01% Read More

| Jun 14, 2019

This bank gives you the runaround to find simple rates such as Roth rate and traditional ira but when it comes to cd rates it is very easily attainable. And the 1st information when you select rates but to... Read More

Magnifi Financial
Restrictions

3.20%

3.10%
3.05%
3.00%
2.95%

$150,000

$100,000
$50,000
$25,000
$500

-

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3.15%

$250

-

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| Jun 19, 2022

Does PMFCU share with Bellco, Law Enforcement in Aurora. Read More

Rate History: 3.11% → 3.10% → 2.60% → 3.10%

Rate History: 2.94% → 3.05% → 3.10%

Rate History: 4.22% → 3.29% → 3.09%

| Sep 15, 2021

The rates posted here is not the same. Check the credit union's web site for actual rates Read More

Rate History: 3.55% → 3.35% → 3.45% → 3.00%

Rate History: 4.25% → 3.00% → 4.00% → 3.00%

| Sep 4, 2019

BETHPAGE CREDIT UNION IS THE BEST.. Read More

Global
Restrictions

3.00%

2.85%
2.70%

$250,000

$100,000
$10,000

-

Learn More

| Dec 4, 2022

Your credit union needs to compete with other credit unions, like Liberty Federal, which has a 6 year rate at 4.30%. Read More

Rate History: 2.75% → 2.95%

Loco
Restrictions

2.95%

$500

-

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Rate History: 2.60% → 2.80% → 2.85%

Campus Usa
Restrictions

2.78%

2.53%

$25,000

$2,000

-

Learn More

| Jul 7, 2019

wrong rate! Read More

Rate History: 2.79% → 2.69%

Rate History: 2.63% → 3.20% → 2.63% → 3.20% → 2.63%

| Dec 7, 2023

100% a Rogue Bank. Wish I could give them a negative star. Banks like superior choice CU are the example why Americans are behind on building better credit portfolio. They for some strange reasons ar... Read More

Rate History: 2.60% → 5.25% → 2.60% → 18.00% → 2.60%

| Sep 20, 2023

Have been a member for 15 years and love everything about them: have a HighQ account, and QClassic checking and had a mortgage with them, too. Read More

| Apr 13, 2021

Please don't use Pen Air Federal Credit Union for a variety of reasons. The security system isn't set up with fraud in mind. The IRS deposited money into my child's account that wasn't intended for the mem... Read More

| May 31, 2021

Joshua from your security service deserves a great review. He helped cancel my card after it was stolen. Read More

Rate History: 3.00% → 3.25% → 3.00% → 2.50%

Rate History: 5.00% → 2.50%

Educational
Restrictions

2.33%

2.28%

$100,000

$1,000

-

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2.31%

$500

-

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2.25%

$500

-

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Rate History: 5.30% → 2.10%

Rate History: 1.95% → 2.05%

Rate History: 2.73% → 2.75% → 2.00%

Evolve
Restrictions

1.71%

$500

-

Learn More

| Jun 18, 2020

came to Lomas location office to cash a check. Was wearing my sun glasses. Was told by the cashier to take off my glasses so that he did not think I was attempting to rob the credit union. Cancelled my ac... Read More

Rate History: 2.21% → 1.61%

1.56%

$10,000

-

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| Jun 18, 2020

came to Lomas location office to cash a check. Was wearing my sun glasses. Was told by the cashier to take off my glasses so that he did not think I was attempting to rob the credit union. Cancelled my ac... Read More

Rate History: 4.85% → 1.55%

1.51%

$100,000

-

Learn More

Rate History: 2.75% → 1.50%

Members 1st
Restrictions

1.45%

1.40%
1.30%
1.20%
1.15%
1.10%

$1,000,000

$100,000
$75,000
$50,000
$10,000
$500

-

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1.45%

1.30%

$100,000

$0

-

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Rate History: 0.70% → 1.40%

| Aug 11, 2021

Marie Read More

Linn - Co
Restrictions

1.31%

$100,000

-

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| Aug 12, 2021

There has been a change in MUCU in Albany, GA, Westover. It is not the friendly, helpful, hometown feel anymore. And they are taking away the convenience of local banking by closing some of its locations... Read More

Cse
Restrictions

1.26%

$1,000

-

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1.25%

$10,000

-

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Sandia Laboratory
Restrictions

1.25%

$100,000

-

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1.25%

$500

-

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1.25%

$10,000

-

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1.25%

$10,000

-

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1.25%

$10,000

-

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Del Norte
Restrictions

1.21%

$100,000

-

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1.21%

$100,000

-

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1.20%

$10,000

-

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Doches
Restrictions

1.20%

$10,000

-

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1.20%

$10,000

-

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Alps
Restrictions

1.16%

$10,000

-

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Ouachita Valley
Restrictions

1.16%

$10,000

-

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Del Norte
Restrictions

1.16%

$10,000

-

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Hurricane Creek
Restrictions

1.15%

$10,000

-

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1.15%

$10,000

-

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Topline
Restrictions

1.15%

$10,000

-

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Firstlight
Restrictions

1.15%

$100,000

-

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Gulf Coast
Restrictions

1.15%

$500

-

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Pcm
Restrictions

1.15%

$10,000

-

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Oshkosh Community
Restrictions

1.14%

$10,000

-

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1.11%

$10,000

-

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Members Choice
Restrictions

1.11%

$10,000

-

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1.11%

$100,000

-

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Assemblies Of God
Restrictions

1.11%

$10,000

-

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White Sands
Restrictions

1.11%

$100,000

-

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Linn - Co
Restrictions

1.11%

$10,000

-

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Upstate
Restrictions

1.11%

$10,000

-

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Texas Tech
Restrictions

1.11%

$10,000

-

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1.10%

$10,000

-

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Honolulu
Restrictions

1.10%

$10,000

-

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Alabama One
Restrictions

1.10%

$10,000

-

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Spirit Of Alaska
Restrictions

1.10%

$10,000

-

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1.10%

$10,000

-

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Hiway
Restrictions

1.10%

$100,000

-

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1.10%

$100,000

-

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1.10%

$10,000

-

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Metro Cu
Restrictions

1.10%

$10,000

-

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Sabine
Restrictions

1.10%

$10,000

-

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Houston
Restrictions

1.07%

$100,000

-

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United 1st
Restrictions

1.06%

$100,000

-

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1.06%

$10,000

-

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Beacon
Restrictions

1.06%

$100,000

-

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| Jun 8, 2021

Call first. Rate is different Read More

1.06%

$10,000

-

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Kelly Community
Restrictions

1.06%

$10,000

-

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Up Arkansas
Restrictions

1.05%

$10,000

-

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Membersfirst
Restrictions

1.05%

$10,000

-

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Dch
Restrictions

1.05%

$10,000

-

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Sandia Laboratory
Restrictions

1.05%

$10,000

-

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True North
Restrictions

1.05%

$10,000

-

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Policemen's
Restrictions

1.05%

$100,000

-

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| Jan 23, 2019

This place is absolutely not for their members like they claim. They charge astronomical interest rates and put you on a balloon if you have less than perfect credit. Not to mention, the little fact that... Read More

Firstlight
Restrictions

1.05%

$10,000

-

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Walker County
Restrictions

1.05%

$10,000

-

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Westex
Restrictions

1.04%

$100,000

-

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S. C. State
Restrictions

1.02%

$10,000

-

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Union Square
Restrictions

1.01%

$1,000

-

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Nesc
Restrictions

1.01%

$10,000

-

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1.01%

$10,000

-

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1.01%

$10,000

-

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Multipli
Restrictions

1.01%

$10,000

-

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Hometown
Restrictions

1.01%

$10,000

-

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Allegiance
Restrictions

1.01%

$100,000

-

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Greater Texas
Restrictions

1.01%

$100,000

-

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Tomah Area
Restrictions

1.00%

$100

-

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1.00%

$10,000

-

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Pacific Service
Restrictions

1.00%

$100,000

-

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360
Restrictions

1.00%

$100,000

-

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1.00%

$10,000

-

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Texar
Restrictions

1.00%

$1,000

-

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1.00%

$100,000

-

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1.00%

$1,000

-

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Credit Union 1
Restrictions

1.00%

$100,000

-

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Encompass
Restrictions

1.00%

$500

-

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| Feb 26, 2017

Overall very unprofessional, not compassionate, could use a few lessons in calculations. Very cocky attitudes. Read More

1.00%

$10,000

-

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Policemen's
Restrictions

1.00%

$10,000

-

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Quantum
Restrictions

1.00%

$10,000

-

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Aneca
Restrictions

1.00%

$1,000

-

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Wildfire
Restrictions

1.00%

$100,000

-

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1.00%

$10,000

-

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Hiway
Restrictions

1.00%

$10,000

-

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1.00%

$10,000

-

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1.00%

$100,000

-

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Abco
Restrictions

1.00%

$100,000

-

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White Sands
Restrictions

1.00%

$10,000

-

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Heartland
Restrictions

1.00%

$10,000

-

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Day Air
Restrictions

1.00%

$10,000

-

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1.00%

$10,000

-

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Oakdale
Restrictions

1.00%

$10,000

-

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1.00%

$10,000

-

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0.96%

$500

-

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Beacon
Restrictions

0.96%

$10,000

-

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Ascentra
Restrictions

0.95%

$100,000

-

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0.95%

$10,000

-

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Midwest Community
Restrictions

0.95%

$100,000

-

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United 1st
Restrictions

0.95%

$10,000

-

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| Jan 30, 2021

I live in South Bend, IN. How can I join your bank for investments, CDs in particular Read More

0.95%

$100

-

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City Of Boston
Restrictions

0.95%

$50,000

-

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Kemba
Restrictions

0.95%

$10,000

-

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0.95%

$10,000

-

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Commonwealth
Restrictions

0.95%

$10,000

-

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First Priority
Restrictions

0.95%

$10,000

-

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Tremont
Restrictions

0.95%

$10,000

-

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Central One
Restrictions

0.95%

$10,000

-

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Health Advantage
Restrictions

0.95%

$10,000

-

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0.95%

$10,000

-

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Grasslands
Restrictions

0.95%

$100,000

-

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| Mar 12, 2023

Is this credit union still open? If it is it’s not relevant to the military in general. I dropped this credit union for poor customer service, and poor loan and dividend rates. Just compare their rates... Read More

0.95%

$10,000

-

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0.95%

$100,000

-

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Houston
Restrictions

0.95%

$10,000

-

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Mid Carolina
Restrictions

0.95%

$10,000

-

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Border
Restrictions

0.95%

$100,000

-

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0.95%

$10,000

-

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Iaa
Restrictions

0.92%

$100,000

-

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Members Plus
Restrictions

0.91%

$10,000

-

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K V
Restrictions

0.91%

$10,000

-

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Eagle One
Restrictions

0.90%

$10,000

-

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0.90%

$10,000

-

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0.90%

$100,000

-

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First City
Restrictions

0.90%

$100,000

-

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| Sep 25, 2021

Centris bank, the Omaha branch specifically, allowed my ex-husband to forge my name over and over and over for five years to three different loans. Forge my name on the original loan documents and then... Read More

Arizona Central
Restrictions

0.90%

$100,000

-

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0.90%

$100,000

-

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Guardian
Restrictions

0.90%

$10,000

-

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Pacific Service
Restrictions

0.90%

$10,000

-

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Credit Union 1
Restrictions

0.90%

$10,000

-

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0.90%

$10,000

-

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Energy Plus
Restrictions

0.90%

$10,000

-

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0.90%

$10,000

-

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Ashland
Restrictions

0.90%

$100,000

-

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0.90%

$100,000

-

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Centric
Restrictions

0.90%

$10,000

-

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Jeanne D'arc
Restrictions

0.90%

$10,000

-

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Act 1st
Restrictions

0.90%

$10,000

-

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0.90%

$10,000

-

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Brewer
Restrictions

0.90%

$10,000

-

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Peninsula
Restrictions

0.90%

$10,000

-

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Zeal
Restrictions

0.90%

$100,000

-

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| Aug 6, 2019

These people are crooks. They make up ways to steal your money through fees. They will short you on your interest. Beware! Read More

| Dec 17, 2019

Their offer good rates for new clients and care less about current customers Read More

Navigator Cu
Restrictions

0.90%

0.85%

$100,000

$25,000

-

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| Mar 12, 2023

Is this credit union still open? If it is it’s not relevant to the military in general. I dropped this credit union for poor customer service, and poor loan and dividend rates. Just compare their rates... Read More

0.90%

$100,000

-

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0.90%

$10,000

-

Learn More

| Jan 14, 2022

Shout out to Lisa at the Yukon Branch Very helpful and nice Read More

Western Sun
Restrictions

0.90%

$100,000

-

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| Sep 1, 2021

Tom garrett Read More

Riverfront
Restrictions

0.90%

$10,000

-

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Apci
Restrictions

0.90%

$10,000

-

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Ascend
Restrictions

0.90%

$10,000

-

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Greater Texas
Restrictions

0.90%

$10,000

-

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0.90%

$100,000

-

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Border
Restrictions

0.90%

$10,000

-

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Texell
Restrictions

0.90%

$10,000

-

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| Sep 26, 2022

Rec'd called from Monica from Collection and wanted to collect on my Mortgage payment and to make a long story short come to find out payment was taken out on September 23, 2022. She was rude and all she ... Read More

Primeway
Restrictions

0.90%

$10,000

-

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Cal-com
Restrictions

0.90%

$100,000

-

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Member One
Restrictions

0.90%

$10,000

-

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Westedge
Restrictions

0.90%

$10,000

-

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Cheney
Restrictions

0.90%

$100,000

-

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Capital
Restrictions

0.90%

$10,000

-

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| Oct 13, 2022

Manager at WI Ave was disrespectful with pompous attitude. BEWARE! Read More

1st Community
Restrictions

0.90%

$1,000

-

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0.90%

$10,000

-

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0.89%

$10,000

-

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Powerco
Restrictions

0.88%

$500

-

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Diamond Valley
Restrictions

0.88%

$10,000

-

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Abnb
Restrictions

0.88%

$100,000

-

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| Jun 8, 2021

Call first. Rate is different Read More

West Michigan
Restrictions

0.86%

$100,000

-

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0.86%

$10,000

-

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Community Service
Restrictions

0.86%

$10,000

-

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Mutual Savings
Restrictions

0.85%

$10,000

-

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Ascentra
Restrictions

0.85%

$10,000

-

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Gas And Electric
Restrictions

0.85%

$10,000

-

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Moline Municipal
Restrictions

0.85%

$10,000

-

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0.85%

$10,000

-

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| Jul 17, 2019

CECU is the best kept secret in the Middle Georgia area! In 2019, CECU will be celebrating their 50th year in business! The credit union is not open to the general public. Their composition of members i... Read More

Coasthills
Restrictions

0.85%

$100,000

-

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California Coast
Restrictions

0.85%

$100,000

-

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| Aug 21, 2020

What is San Mateo's SWIFT code? Read More

Prairieland
Restrictions

0.85%

$100,000

-

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Energy One
Restrictions

0.85%

$100,000

-

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Bar-cons
Restrictions

0.85%

$50,000

-

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Cgr
Restrictions

0.85%

$10,000

-

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Fitzsimons
Restrictions

0.85%

$500

-

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Kinetic
Restrictions

0.85%

$10,000

-

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City Of Boston
Restrictions

0.85%

$500

-

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0.85%

$26

-

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0.85%

$500

-

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Financial Health
Restrictions

0.85%

$10,000

-

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0.85%

$10,000

-

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0.85%

$10,000

-

Learn More

| Feb 26, 2022

We will be closing our accounts with Cove Federal Credit Union and will bank elsewhere. What the employees at the 577 Dudley Rd location don’t seem to understand is that banks are a dime a dozen, my gir... Read More

0.85%

$1,000

-

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Keesler
Restrictions

0.85%

$1,000

-

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Riverland
Restrictions

0.85%

$10,000

-

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Leominster
Restrictions

0.85%

$10,000

-

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Taunton
Restrictions

0.85%

$10,000

-

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Seaboard
Restrictions

0.85%

$100,000

-

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Filer
Restrictions

0.85%

$100,000

-

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Credit Union One
Restrictions

0.85%

$100,000

-

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United Financial
Restrictions

0.85%

$100,000

-

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0.85%

$10,000

-

Learn More
Circle
Restrictions

0.85%

$10,000

-

Learn More
Our
Restrictions

0.85%

$10,000

-

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0.85%

$100,000

-

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Fulda Area
Restrictions

0.85%

$100,000

-

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| Mar 13, 2019

Ideal Credit Union is a local treasure. Although it is primarily made up of the old St. Paul Postal CU, it also subsumed the North St. Paul School District Employees' CU many years ago. It has generous eli... Read More

Electrus
Restrictions

0.85%

$10,000

-

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0.85%

$100,000

-

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Garden State
Restrictions

0.85%

$100,000

-

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Abco
Restrictions

0.85%

$10,000

-

Learn More

0.85%

$10,000

-

Learn More

0.85%

$10,000

-

Learn More
Western Sun
Restrictions

0.85%

$10,000

-

Learn More
Tulsa
Restrictions

0.85%

$100,000

-

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0.85%

$100,000

-

Learn More
Oregon Community
Restrictions

0.85%

$100,000

-

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Guthrie
Restrictions

0.85%

$10,000

-

Learn More
Philadelphia
Restrictions

0.85%

$10,000

-

Learn More
Benchmark
Restrictions

0.85%

$10,000

-

Learn More

0.85%

$10,000

-

Learn More
Georgetown Kraft
Restrictions

0.85%

$10,000

-

Learn More
Aberdeen
Restrictions

0.85%

$10,000

-

Learn More
Enbright
Restrictions

0.85%

$100,000

-

Learn More
Pantex
Restrictions

0.85%

$10,000

-

Learn More

0.85%

$10,000

-

Learn More

0.85%

$100,000

-

Learn More

0.85%

$10,000

-

Learn More

0.85%

$1,000

-

Learn More

| Sep 21, 2017

friendly and knowledgeable and fun. what more could you ask for? Read More

0.85%

$100,000

-

Learn More

| Sep 26, 2022

Rec'd called from Monica from Collection and wanted to collect on my Mortgage payment and to make a long story short come to find out payment was taken out on September 23, 2022. She was rude and all she ... Read More

Canopy
Restrictions

0.85%

$100,000

-

Learn More
Cloverbelt
Restrictions

0.85%

$10,000

-

Learn More
Pathfinder
Restrictions

0.85%

$100,000

-

Learn More
Reliant
Restrictions

0.85%

$10,000

-

Learn More
Beach Municipal
Restrictions

0.83%

$10,000

-

Learn More
Frankenmuth
Restrictions

0.83%

$100,000

-

Learn More
Abnb
Restrictions

0.83%

$10,000

-

Learn More
Iaa
Restrictions

0.82%

$10,000

-

Learn More
Alive
Restrictions

0.82%

$10,000

-

Learn More
Neighbors
Restrictions

0.82%

$10,000

-

Learn More
People's Alliance
Restrictions

0.81%

$10,000

-

Learn More
Money One
Restrictions

0.81%

$100,000

-

Learn More

0.80%

$100,000

-

Learn More
Green Mountain
Restrictions

0.80%

$10,000

-

Learn More

0.80%

$100,000

-

Learn More
Caprock
Restrictions

0.80%

$100,000

-

Learn More
Indianhead
Restrictions

0.80%

$10,000

-

Learn More
Idb Global
Restrictions

0.80%

$100,000

-

Learn More
Scott
Restrictions

0.80%

$100,000

-

Learn More
All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2024

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator  in order to understand the importance of compounding interest at higher rates on your money over time.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates