Florida

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Credit Union CD Rates – 4-Year – Holly Hill, Florida

You are viewing rates from credit unions across Holly Hill


Below are four year CD Rates from credit unions in Holly Hill, Florida. Four Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

Holly Hill, FL - May 25, 2024

4 Year CD National Average : 0.95% ?

Credit Unions APY MIN MILES ?

Rate History: 5.19% → 5.20%

Rate History: 3.15% → 4.45% → 4.65% → 4.70% → 5.05%

Rate History: 3.10% → 5.00%

Rate History: 3.30% → 4.90% → 4.95%

Rate History: 4.08% → 4.90%

Rate History: 4.28% → 4.23% → 5.27% → 5.17% → 4.80%

| Feb 6, 2023

Everyone was very friendly and helpful. Read More

| Sep 20, 2017

This credit union is a joke. They need to pull a credit report just to open a cd. Read More

| Sep 27, 2016

why have you not updated your rates Read More

Rate History: 4.50% → 4.70% → 4.65%

| Jul 10, 2019

Does credit human use ChexSystems Read More

Rate History: 5.20% → 4.68% → 4.58%

| Aug 14, 2023

Staff customer service very poor. Long wait times due to limited staffing. Read More

Rate History: 4.40% → 4.35%

Rate History: 4.50% → 4.35%

| 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

Rate History: 4.40% → 4.55% → 4.60% → 4.35%

Rate History: 3.25% → 4.35%

| Jan 1, 2022

Great Customer Service. Good Interest Rates and a Great Local Bank. - SK Read More

4.30%

4.20%
4.10%
4.00%

$250,000

$200,000
$100,000
$1,000

-

Learn More

Rate History: 4.34% → 4.32% → 4.30%

Rate History: 3.50% → 4.00% → 4.25%

Rate History: 4.00% → 4.20% → 4.00% → 4.20% → 4.25%

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

Rate History: 4.51% → 4.45% → 4.12% → 4.17% → 4.21%

Rate History: 4.00% → 4.10% → 4.20%

| Feb 27, 2020

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

Rate History: 4.34% → 4.92% → 4.45% → 4.34% → 4.18%

Rate History: 3.61% → 4.97% → 3.61% → 3.92% → 4.18%

| Sep 8, 2022

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

| 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

| Nov 30, 2020

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

Rate History: 4.37% → 4.11%

Rate History: 4.20% → 4.10% → 4.35% → 4.20% → 4.10%

Rate History: 4.20% → 4.30% → 4.25% → 4.20% → 4.10%

| 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: 3.46% → 4.18% → 4.08%

Rate History: 4.60% → 4.65% → 4.86% → 4.29% → 4.08%

| 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: 3.45% → 4.33% → 4.07%

| Jun 22, 2023

BrightStar is great with members. The CD rate for 13 months is 4.75%! Read More

Direct
Restrictions

4.05%

4.00%

$100,000

$250

-

Learn More

Rate History: 4.00% → 4.05%

Rate History: 4.40% → 4.30% → 4.40% → 4.30% → 4.00%

Rate History: 4.00% → 4.25% → 4.00%

Frontwave
Restrictions

4.00%

$1,000

-

Learn More

Rate History: 4.00% → 4.25% → 4.00%

| Dec 22, 2020

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

Rate History: 3.55% → 4.00% → 4.25% → 4.00%

Rate History: 3.00% → 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: 4.25% → 4.11% → 4.10% → 4.00%

Rate History: 4.28% → 4.49% → 4.07% → 3.97%

Ingersoll-rand
Restrictions

3.96%

$1,000

-

Learn More

Rate History: 3.95% → 3.85% → 3.95%

| 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: 3.25% → 4.45% → 4.25% → 4.00% → 3.95%

Rate History: 3.70% → 3.55% → 3.95%

Rate History: 3.84% → 3.92% → 3.94%

Rate History: 4.59% → 4.80% → 3.71% → 3.82% → 3.92%

| Dec 15, 2022

I have been a member for over 30 years and Pelican has consistently offered deposit rates that are higher than bank and credit union averages. All my kids and grandkids park their savings with Pelican and... Read More

Rate History: 3.10% → 3.90%

Rate History: 4.00% → 3.90%

Rate History: 3.56% → 3.87%

| Dec 19, 2019

Ali123 Read More

Rate History: 3.95% → 3.85%

Rate History: 3.95% → 3.85%

Rate History: 3.45% → 3.80%

Rate History: 4.00% → 4.25% → 4.00% → 3.80%

Ttcu
Restrictions

3.80%

3.55%
3.30%

$200,000

$50,000
$1,000

-

Learn More

Rate History: 4.40% → 3.90% → 3.80%

| 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: 3.05% → 3.35% → 3.77%

| May 4, 2016

Refi, no cash out, no second Read More

Rate History: 3.56% → 4.18% → 3.92% → 3.87% → 3.76%

Rate History: 3.96% → 3.85% → 3.75%

| 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: 4.05% → 3.75%

The Golden 1
Restrictions

3.75%

3.65%

$100,000

$500

-

Learn More

Rate History: 5.10% → 3.50% → 4.15% → 3.75%

Rate History: 3.00% → 3.75%

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

Rate History: 3.56% → 4.07% → 3.81% → 3.82% → 3.75%

Rate History: 4.00% → 3.75%

3.72%

$10,000

-

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Rate History: 3.75% → 3.70%

| 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

Rate History: 3.55% → 3.70%

Rate History: 3.41% → 3.67%

| Jun 1, 2019

Yes... Read More

Rate History: 3.65% → 3.66%

Dc
Restrictions

3.65%

3.55%

$100,000

$25,000

-

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3.65%

$1,000

-

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Rate History: 3.90% → 5.50% → 4.25% → 3.65%

Rate History: 3.40% → 3.60%

Rate History: 4.06% → 3.60% → 3.65% → 3.60%

Texas Trust
Restrictions

3.58%

$500

-

Learn More

Rate History: 4.76% → 4.61% → 4.26% → 3.96% → 3.56%

| Feb 3, 2023

So I financed a camper through this group. The plumbing water sewer black and gray tank fell to the ground 30 days after purchase. It was being “ fixed “ for almost 5 months the dealer assured me I wou... Read More

Campus Usa
Restrictions

3.56%

3.30%

$25,000

$2,000

-

Learn More

| Sep 30, 2016

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

Rate History: 4.25% → 3.85% → 3.55%

Rate History: 3.55% → 3.45% → 3.55%

Rate History: 4.75% → 3.00% → 3.50%

Rate History: 1.55% → 3.00% → 3.50%

| Jan 19, 2023

They have a lot of potential to be great. But, they need to learn their systems and how to best serve their Members. Don't do it. Just don't. You've been warned. Read More

Rate History: 1.50% → 2.50% → 3.50%

| 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

Rate History: 4.25% → 3.50%

| 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: 3.96% → 3.50%

| 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

Rate History: 3.55% → 3.45%

| 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: 3.50% → 3.45%

| Sep 11, 2020

Rate is now 2.01% Read More

Rate History: 2.48% → 3.45%

Rate History: 3.49% → 3.43% → 3.38% → 3.43%

Rate History: 3.65% → 3.40%

| 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: 3.50% → 2.70% → 3.50% → 3.60% → 3.40%

Rate History: 5.12% → 3.56% → 3.40%

| 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

3.39%

3.25%
3.15%

$25,000

$10,000
$500

-

Learn More

Rate History: 3.39% → 3.35% → 3.36%

Rate History: 3.56% → 3.35%

Rate History: 3.35% → 3.34%

Rate History: 3.30% → 3.20% → 3.30%

| 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

| Jan 18, 2022

Need to see form for wiring money from another state to Panama City Florida USA Read More

Rate History: 3.00% → 3.50% → 3.25%

Magnifi Financial
Restrictions

3.25%

3.15%
3.10%
3.05%
3.00%

$150,000

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

-

Learn More

3.25%

$500

-

Learn More

| Jun 12, 2017

five star......great location...fast service Read More

Rate History: 3.50% → 3.20%

| May 12, 2016

19 what, years or months Read More

Global
Restrictions

3.20%

3.05%
2.90%

$250,000

$100,000
$10,000

-

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3.15%

3.00%

$100,000

$1,000

-

Learn More

| Jun 19, 2022

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

Rate History: 3.20% → 3.10%

Educational
Restrictions

3.10%

3.05%

$100,000

$1,000

-

Learn 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: 2.70% → 2.95% → 3.05%

Rate History: 2.53% → 3.04%

Metro
Restrictions

3.00%

$0

-

Learn More

Rate History: 3.00% → 3.00%

| Feb 6, 2023

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

Rate History: 2.25% → 2.50% → 3.00%

| Feb 4, 2020

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

Rate History: 2.00% → 3.00%

| Aug 7, 2020

We have been members for over 40 years. Now that we are retired, we spend a lot of time in Turkey. We use our credit card from Trustone, but often the merchant will not accept it. They try to run it thr... Read More

| May 25, 2022

Your CD are lower than HUDSON Valley Credit Union .At one time you where good. 5-25-22 Read More

Rate History: 3.85% → 3.00% → 4.00% → 3.00%

| Sep 4, 2019

BETHPAGE CREDIT UNION IS THE BEST.. 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

Rate History: 3.00% → 2.90%

Rate History: 3.40% → 3.45% → 3.40% → 2.85% → 2.90%

Evolve
Restrictions

2.78%

$500

-

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Expedition
Restrictions

2.78%

$500

-

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Rate History: 2.85% → 3.75% → 2.75% → 48.00%

| 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

Rate History: 0.90% → 2.75%

| 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

Rate History: 2.75% → 3.00% → 2.75%

| 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: 3.40% → 3.30% → 3.04% → 3.14% → 2.73%

| May 31, 2021

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

| 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: 2.89% → 3.14% → 2.63% → 2.89% → 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

2.55%

2.50%

$50,000

$500

-

Learn More
Connex
Restrictions

2.50%

$500

-

Learn More

| Apr 19, 2021

Anyone is better than dealing with these guys! It's amazing how they work. And I've had loans off and on for 30 years. Their website and support are horrible. Their ability to track and appropriatel... Read More

| Jan 24, 2020

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

2.50%

$250

-

Learn More

| 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

Rate History: 2.00% → 2.50%

Rate History: 3.25% → 3.65% → 2.75% → 2.50%

Boeing Employees
Restrictions

2.48%

2.43%

$50,000

$500

-

Learn More

Rate History: 2.20% → 1.40% → 2.20% → 2.45%

Rate History: 4.50% → 4.25% → 2.45%

Rate History: 1.20% → 2.40%

2.36%

$500

-

Learn More

Rate History: 2.75% → 2.96% → 2.71% → 2.47% → 2.32%

| 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: 2.30% → 2.25% → 2.30%

Rate History: 3.00% → 2.95% → 2.25%

Rate History: 1.85% → 2.10%

Rate History: 2.30% → 2.10% → 2.00%

Marine
Restrictions

1.90%

$1,000

-

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Great Lakes
Restrictions

1.85%

1.55%

$100,000

$1,000

-

Learn More

Rate History: 1.71% → 1.82%

Policemen's
Restrictions

1.75%

$100,000

-

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Policemen's
Restrictions

1.70%

$10,000

-

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Del Norte
Restrictions

1.66%

$100,000

-

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Del Norte
Restrictions

1.61%

$10,000

-

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1.60%

$10,000

-

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Lincoln County
Restrictions

1.60%

$1,000

-

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1.60%

1.45%

$100,000

$0

-

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Gsa
Restrictions

1.57%

$10,000

-

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Ascension
Restrictions

1.56%

$10,000

-

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| Aug 11, 2021

Marie Read More

Loco
Restrictions

1.56%

$500

-

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Wildfire
Restrictions

1.55%

$100,000

-

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1.55%

$10,000

-

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Doches
Restrictions

1.55%

$10,000

-

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Alabama One
Restrictions

1.51%

$10,000

-

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1.51%

$10,000

-

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Matanuska Valley
Restrictions

1.51%

$10,000

-

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1.51%

$10,000

-

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Encompass
Restrictions

1.51%

$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

Bossier
Restrictions

1.51%

$10,000

-

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Horizon
Restrictions

1.51%

$10,000

-

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Guadalupe
Restrictions

1.51%

$10,000

-

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Spc
Restrictions

1.50%

$1,000

-

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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

Carter
Restrictions

1.50%

$10,000

-

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Coosa Pines
Restrictions

1.50%

$10,000

-

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Pcm
Restrictions

1.50%

$10,000

-

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| Jun 8, 2021

Call first. Rate is different Read More

West Michigan
Restrictions

1.47%

$100,000

-

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| May 7, 2017

CD rate Read More

1.46%

$10,000

-

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Sandia Laboratory
Restrictions

1.45%

$100,000

-

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1.45%

$10,000

-

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Team One
Restrictions

1.45%

$10,000

-

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Health Advantage
Restrictions

1.45%

$10,000

-

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Spco
Restrictions

1.45%

$50,000

-

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Alps
Restrictions

1.41%

$10,000

-

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Credit Union 1
Restrictions

1.41%

$100,000

-

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Ouachita Valley
Restrictions

1.41%

$10,000

-

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K V
Restrictions

1.41%

$10,000

-

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1.41%

$10,000

-

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1.41%

$100,000

-

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1.41%

$100,000

-

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1.41%

$1,000

-

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1.40%

$10,000

-

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Dch
Restrictions

1.40%

$10,000

-

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City Of Boston
Restrictions

1.40%

$50,000

-

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Wymar
Restrictions

1.40%

$75,000

-

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Envista
Restrictions

1.40%

$500

-

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Sm
Restrictions

1.40%

$10,000

-

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1.40%

$10,000

-

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| Sep 11, 2020

Rate is now 2.5% Read More

Elga
Restrictions

1.40%

$100,000

-

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1.40%

$100,000

-

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Zeal
Restrictions

1.40%

$100,000

-

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Chemcel
Restrictions

1.40%

$100,000

-

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1.40%

$100,000

-

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1.40%

$10,000

-

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Ferguson
Restrictions

1.40%

$10,000

-

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Coca-cola
Restrictions

1.37%

$500

-

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Midwest Community
Restrictions

1.36%

$100,000

-

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| May 7, 2017

CD rate Read More

Alabama Teachers
Restrictions

1.36%

$10,000

-

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Credit Union 1
Restrictions

1.36%

$10,000

-

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Act 1st
Restrictions

1.36%

$100,000

-

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Filer
Restrictions

1.36%

$100,000

-

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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

First Heritage
Restrictions

1.36%

$10,000

-

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1.36%

$10,000

-

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Kerr County
Restrictions

1.36%

$10,000

-

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1.36%

$10,000

-

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Kelly Community
Restrictions

1.36%

$10,000

-

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Eagle One
Restrictions

1.36%

$10,000

-

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California Coast
Restrictions

1.35%

$100,000

-

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Mac
Restrictions

1.35%

$1,000

-

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| May 12, 2021

I've been an ASI/Onpath customer for 35 years this company has grown tremendously as they would say it gets better with age that is so true about this credit union, a branch worker at 5508 Citrus Blvd. Har... Read More

| Sep 19, 2020

Absolutely terrible customer service. Please don’t get any type of loan through them. It’s not worth the frustration. Read More

1.35%

$100,000

-

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Hiway
Restrictions

1.35%

$100,000

-

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1.35%

$10,000

-

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Texas Tech
Restrictions

1.35%

$10,000

-

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Texell
Restrictions

1.35%

$10,000

-

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Spco
Restrictions

1.35%

$1,000

-

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1.35%

$10,000

-

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Wyhy
Restrictions

1.35%

$100,000

-

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Spirit Of Alaska
Restrictions

1.32%

$10,000

-

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Houston
Restrictions

1.32%

$100,000

-

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Five Star
Restrictions

1.31%

$10,000

-

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1.31%

$10,000

-

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1.31%

$10,000

-

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Members Choice
Restrictions

1.31%

$10,000

-

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Quincy
Restrictions

1.31%

$10,000

-

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Brewer
Restrictions

1.31%

$10,000

-

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1.31%

$10,000

-

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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

1.31%

$10,000

-

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Assemblies Of God
Restrictions

1.31%

$10,000

-

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Hometown
Restrictions

1.31%

$10,000

-

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White Sands
Restrictions

1.31%

$100,000

-

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Sru
Restrictions

1.31%

$10,000

-

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Texans
Restrictions

1.31%

$10,000

-

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1.31%

$10,000

-

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Educators
Restrictions

1.31%

$10,000

-

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Tech
Restrictions

1.31%

$100,000

-

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Caprock
Restrictions

1.31%

$100,000

-

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Tomah Area
Restrictions

1.31%

$100

-

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City Of Boston
Restrictions

1.30%

$500

-

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Atlanta Postal
Restrictions

1.30%

$100,000

-

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1.30%

$100,000

-

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1.30%

$100

-

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1.30%

$10,000

-

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Kirtland
Restrictions

1.30%

$100,000

-

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Tucson
Restrictions

1.30%

$10,000

-

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Membersfirst
Restrictions

1.30%

$10,000

-

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1.30%

$25,000

-

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Safe Harbor
Restrictions

1.30%

$100,000

-

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Wildfire
Restrictions

1.30%

$10,000

-

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Adventure
Restrictions

1.30%

$10,000

-

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Zeal
Restrictions

1.30%

$10,000

-

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Abco
Restrictions

1.30%

$100,000

-

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Great Basin
Restrictions

1.30%

$100,000

-

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Steel Valley
Restrictions

1.30%

$10,000

-

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Chemcel
Restrictions

1.30%

$10,000

-

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1.30%

$10,000

-

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1.30%

$10,000

-

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Member One
Restrictions

1.30%

$10,000

-

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1.30%

$10,000

-

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Wyhy
Restrictions

1.30%

$10,000

-

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Uniwyo
Restrictions

1.30%

$10,000

-

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| Jul 7, 2019

wrong rate! Read More

Energy Plus
Restrictions

1.27%

$10,000

-

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| Jun 8, 2021

Call first. Rate is different Read More

Upstate
Restrictions

1.27%

$10,000

-

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Lewis Clark
Restrictions

1.26%

$10,000

-

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Long Reach
Restrictions

1.26%

$500

-

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Sacramento
Restrictions

1.26%

$100,000

-

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Union Square
Restrictions

1.26%

$1,000

-

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Beacon
Restrictions

1.26%

$100,000

-

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Somerset
Restrictions

1.26%

$10,000

-

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Nesc
Restrictions

1.26%

$10,000

-

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Act 1st
Restrictions

1.26%

$10,000

-

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Wepco
Restrictions

1.26%

$10,000

-

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| Oct 29, 2020

For simple individual transactions, I have nothing but good experiences with Cumberland Credit Union Read More

New Dimensions
Restrictions

1.26%

$10,000

-

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Filer
Restrictions

1.26%

$10,000

-

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Preferred
Restrictions

1.26%

$10,000

-

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Circle
Restrictions

1.26%

$10,000

-

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Our
Restrictions

1.26%

$10,000

-

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1.26%

$100,000

-

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1.26%

$500

-

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Kellogg Midwest
Restrictions

1.26%

$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

The Focus
Restrictions

1.26%

$10,000

-

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1.26%

$10,000

-

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Genco
Restrictions

1.26%

$10,000

-

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Synergy
Restrictions

1.26%

$100,000

-

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1.26%

$10,000

-

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Bp
Restrictions

1.26%

$10,000

-

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1st Community
Restrictions

1.26%

$100,000

-

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Gale
Restrictions

1.26%

$10,000

-

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Baraga County
Restrictions

1.26%

$10,000

-

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Cdc
Restrictions

1.25%

$10,000

-

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1.25%

$10,000

-

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Beehive
Restrictions

1.25%

$100,000

-

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Excel
Restrictions

1.25%

$10,000

-

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Cencap
Restrictions

1.25%

$10,000

-

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Blue Eagle
Restrictions

1.25%

$10,000

-

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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