Credit Union CD Rates – 4-Year – Fairfield, Illinois 2024

Below are four year CD Rates from credit unions in Fairfield, Illinois. 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.

Fairfield, IL - April 17, 2024

4 Year CD National Average : 0.81% ^?

Credit Unions	APY	MIN	MILES ^?
Dexsta Restrictions	5.64%	$1,000	-	Learn More Reviews
Advancial Restrictions	5.20% 5.10% 4.99%	$50,000 $25,000 $1,000	-	Learn More Reviews
Rate History: 5.19% → 5.20%
Tower Restrictions	5.05% 3.45% 2.80%	$500 $20,000 $5,000	-	Learn More Reviews
Rate History: 3.15% → 4.45% → 4.65% → 4.70% → 5.05%
First Commerce Restrictions	5.00%	$1,000	-	Learn More Reviews
Rate History: 3.10% → 5.00%
Blucurrent Restrictions	4.95%	$1,000	-	Learn More Reviews
Rate History: 3.30% → 4.90% → 4.95%
Harborstone Restrictions	4.90%	$500	-	Learn More Reviews
Rate History: 4.08% → 4.90%
All In Restrictions	4.80% 3.87%	$100,000 $1,000	-	Learn More Reviews (1)
Rate History: 4.28% → 4.23% → 5.27% → 5.17% → 4.80%
La Capitol Restrictions	4.70% 4.50%	$100,000 $500	-	Learn More Reviews (1)
Credit Human Restrictions	4.70%	$500	-	Learn More Reviews (1)
Rate History: 4.50% → 4.70%
Self-help Restrictions	4.65%	$500	-	Learn More Reviews (1)
Inner Lakes Restrictions	4.65%	$1,000	-	Learn More Reviews
Lafayette Restrictions	4.58% 4.42%	$100,000 $500	-	Learn More Reviews
Rate History: 5.20% → 4.68% → 4.58%
Pima Restrictions	4.50%	$250	-	Learn More Reviews
Department of Commerce Restrictions	4.50%	$500	-	Learn More Reviews (2)
American 1 Restrictions	4.50%	$500	-	Learn More Reviews
Virginia Credit Union, Inc., Restrictions	4.38% 4.17% 3.96% 3.95%	$100,000 $50,000 $5,000 $500	-	Learn More Reviews (2)
State Department Restrictions	4.37% 4.16%	$100,000 $500	-	Learn More Reviews
Agriculture Restrictions	4.35%	$250	-	Learn More Reviews
Rate History: 4.40% → 4.35%
Schoolsfirst Restrictions	4.35% 4.30% 4.25% 4.20%	$100,000 $50,000 $20,000 $500	-	Learn More Reviews
Rate History: 4.40% → 4.55% → 4.60% → 4.35%
Covantage Restrictions	4.35%	$1,000	-	Learn More Reviews
Michigan State University Restrictions	4.35% 3.85%	$100,000 $500	-	Learn More Reviews
University Restrictions	4.35%	$1,000	-	Learn More Reviews (1)
Rate History: 3.25% → 4.35%
Wright-patt Credit Union, Inc. Restrictions	4.33% 4.23%	$100,000 $500	-	Learn More Reviews
Credit Union Of Texas Restrictions	4.30% 4.20% 4.10% 4.00%	$250,000 $200,000 $100,000 $1,000	-	Learn More Reviews
Eecu Restrictions	4.30% 4.20%	$50,000 $1,000	-	Learn More Reviews
Rate History: 4.34% → 4.32% → 4.30%
Landmark Restrictions	4.30%	$500	-	Learn More Reviews
Nextmark Restrictions	4.25%	$100,000	-	Learn More Reviews
Rate History: 3.50% → 4.00% → 4.25%
Cbc Restrictions	4.25%	$500	-	Learn More Reviews
Rate History: 4.50% → 4.00% → 3.75% → 4.25%
Northrop Grumman Restrictions	4.21% 4.06%	$40,000 $2,500	-	Learn More Reviews
Rate History: 4.51% → 4.45% → 4.12% → 4.17% → 4.21%
Utah First Restrictions	4.20%	$2,000	-	Learn More Reviews
Rate History: 4.40% → 4.00% → 4.20% → 4.00% → 4.20%
America First Restrictions	4.20%	$500	-	Learn More Reviews (4)
Rate History: 4.00% → 4.10% → 4.20%
Mountain America Restrictions	4.20%	$500	-	Learn More Reviews
Financial Resources Restrictions	4.18%	$500	-	Learn More Reviews
United States Senate Restrictions	4.18% 4.13% 4.08%	$200,000 $100,000 $1,000	-	Learn More Reviews
Rate History: 4.34% → 4.92% → 4.45% → 4.34% → 4.18%
Commonwealth One Restrictions	4.18% 4.13% 3.82%	$100,000 $50,000 $1,000	-	Learn More Reviews
Rate History: 3.61% → 4.97% → 3.61% → 3.92% → 4.18%
Star Of Texas Restrictions	4.15% 4.00%	$100,000 $1,000	-	Learn More Reviews (1)
Fortera Restrictions	4.15%	$1,000	-	Learn More Reviews (1)
Grow Financial Restrictions	4.13% 4.02%	$100,000 $500	-	Learn More Reviews (1)
Suma Yonkers Restrictions	4.13%	$1,000	-	Learn More Reviews
Library Of Congress Restrictions	4.11%	$500	-	Learn More Reviews
Rate History: 4.37% → 4.11%
Eastman Restrictions	4.11% 4.05%	$100,000 $1,000	-	Learn More Reviews
Nasa Restrictions	4.10%	$1,000	-	Learn More Reviews
Rate History: 4.20% → 4.10% → 4.35% → 4.20% → 4.10%
Air Academy Restrictions	4.10%	$500	-	Learn More Reviews
Communitywide Restrictions	4.10%	$1,000	-	Learn More Reviews
Rate History: 4.20% → 4.30% → 4.25% → 4.20% → 4.10%
First United Restrictions	4.10% 4.00%	$50,000 $500	-	Learn More Reviews
Alliant Restrictions	4.10% 4.05%	$75,000 $1,000	-	Learn More Reviews (5)
Ithink Financial Restrictions	4.08% 3.30%	$1,000 $25,000	-	Learn More Reviews
Rate History: 3.46% → 4.18% → 4.08%
Self-help Restrictions	4.08%	$500	-	Learn More Reviews (1)
Rate History: 4.60% → 4.65% → 4.86% → 4.29% → 4.08%
Investex Restrictions	4.07% 3.82%	$50,000 $1,000	-	Learn More Reviews
Rate History: 3.45% → 4.33% → 4.07%
Mtc Restrictions	4.06% 3.86%	$10,000 $250	-	Learn More Reviews
Tinker Restrictions	4.06% 3.96% 3.86% 3.75% 3.60%	$99,000 $50,000 $25,000 $10,000 $1,000	-	Learn More Reviews
Brightstar Restrictions	4.05%	$500	-	Learn More Reviews (1)
Direct Restrictions	4.05% 4.00%	$100,000 $250	-	Learn More Reviews
Trumark Financial Restrictions	4.05% 4.00%	$75,000 $500	-	Learn More Reviews
Rate History: 4.00% → 4.05%
Wescom Central Restrictions	4.00%	$500	-	Learn More Reviews
Rate History: 4.40% → 4.30% → 4.40% → 4.30% → 4.00%
Inova Restrictions	4.00%	$200	-	Learn More Reviews
Rate History: 4.00% → 4.25% → 4.00%
Colorado Restrictions	4.00% 3.90%	$100,000 $500	-	Learn More Reviews
Frontwave Restrictions	4.00%	$1,000	-	Learn More Reviews
Andrews Federal Credit Union Restrictions	4.00% 3.95%	$10,000 $1,000	-	Learn More Reviews
American Heritage Restrictions	4.00%	$1,000	-	Learn More Reviews (2)
Rate History: 4.00% → 4.25% → 4.00%
G.p.o. Restrictions	4.00%	$1,000	-	Learn More Reviews
Rate History: 3.55% → 4.00% → 4.25% → 4.00%
First Source Restrictions	4.00%	$1,000	-	Learn More Reviews
Rate History: 3.00% → 4.00%
Bethpage Restrictions	4.00%	$50	-	Learn More Reviews (1)
Rate History: 3.85% → 3.00% → 4.00%
Citadel Restrictions	4.00% 3.95%	$75,000 $500	-	Learn More Reviews
Police & Fire Restrictions	4.00%	$1,000	-	Learn More Reviews (1)
Rate History: 3.75% → 4.00%
Neches Restrictions	4.00% 3.60%	$100,000 $1,000	-	Learn More Reviews
Langley Restrictions	4.00%	$500	-	Learn More Reviews
Rate History: 4.25% → 4.11% → 4.10% → 4.00%
Interior Federal Credit Union	3.97%	$500	-	Learn More Reviews
Rate History: 4.28% → 4.49% → 4.07% → 3.97%
Ingersoll-rand Restrictions	3.96%	$1,000	-	Learn More Reviews
Velocity Restrictions	3.96%	$1,000	-	Learn More Reviews
Trax Restrictions	3.95% 3.75%	$100,000 $500	-	Learn More Reviews
Suncoast Restrictions	3.95% 3.70%	$100,000 $500	-	Learn More Reviews (1)
Rate History: 3.95% → 3.85% → 3.95%
Air Force Restrictions	3.95%	$1,000	-	Learn More Reviews
Rate History: 3.25% → 4.45% → 4.25% → 4.00% → 3.95%
Genisys Restrictions	3.94% 3.89%	$100,000 $500	-	Learn More Reviews
Rate History: 3.84% → 3.92% → 3.94%
Desert Financial	3.92% 3.87%	$100,000 $1,000	-	Learn More Reviews
Coastal Restrictions	3.90%	$250	-	Learn More Reviews
Visions Restrictions	3.90%	$500	-	Learn More Reviews
Rate History: 4.00% → 3.90%
Texas People Restrictions	3.89% 3.48%	$50,000 $1,000	-	Learn More Reviews
Envision Restrictions	3.87%	$1,000	-	Learn More Reviews
Rate History: 3.50% → 3.56% → 4.18% → 3.92% → 3.87%
Gardiner Restrictions	3.87%	$500	-	Learn More Reviews
Rate History: 3.56% → 3.87%
A+ Restrictions	3.87%	$1,000	-	Learn More Reviews (1)
Denver Community Cu D.b.a. Zing Cu Restrictions	3.85% 3.60%	$100,000 $100	-	Learn More Reviews
Chevron Restrictions	3.85% 3.80% 3.75%	$250,000 $100,000 $500	-	Learn More Reviews
Rate History: 3.95% → 3.85%
Spectrum	3.85% 3.80% 3.75%	$250,000 $100,000 $500	-	Learn More Reviews
Rate History: 3.95% → 3.85%
Eglin Restrictions	3.82%	$2,500	-	Learn More Reviews
Community First Credit Union Of Flo Restrictions	3.82% 3.77% 3.61% 3.56%	$250,000 $100,000 $45,000 $500	-	Learn More Reviews
Citizens Equity First Restrictions	3.80% 3.75%	$100,000 $1,000	-	Learn More Reviews
Rate History: 3.45% → 3.80%
Associated Credit Union Restrictions	3.80%	$200	-	Learn More Reviews
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 Reviews
City Restrictions	3.80%	$1,000	-	Learn More Reviews
Rate History: 4.40% → 3.90% → 3.80%
Pentagon Restrictions	3.80%	$1,000	-	Learn More Reviews (15)
Northwest Restrictions	3.80%	$1,000	-	Learn More Reviews
Digital Restrictions	3.77% 3.51%	$25,000 $500	-	Learn More Reviews (2)
Rate History: 3.05% → 3.35% → 3.77%
Austin Telco Restrictions	3.75% 3.65% 3.55%	$225,000 $95,000 $1,000	-	Learn More Reviews (1)
Rate History: 3.96% → 3.85% → 3.75%
Credit Union Of Georgia Restrictions	3.75% 3.70%	$100,000 $500	-	Learn More Reviews
Rate History: 4.05% → 3.75%
The Golden 1 Restrictions	3.75% 3.65%	$100,000 $500	-	Learn More Reviews
Latino Community Restrictions	3.75% 3.40%	$100,000 $500	-	Learn More Reviews
Rate History: 5.10% → 3.50% → 4.15% → 3.75%
St. Paul Restrictions	3.75%	$1,000	-	Learn More Reviews
Rate History: 3.00% → 3.75%
Skyla Restrictions	3.75%	$500	-	Learn More Reviews
Rate History: 4.25% → 4.50% → 4.25% → 3.75%
Garden Savings Restrictions	3.75%	$500	-	Learn More Reviews
Rate History: 3.56% → 4.07% → 3.81% → 3.82% → 3.75%
Jovia Financial Restrictions	3.75%	$100	-	Learn More Reviews (2)
Discovery Restrictions	3.75%	$100	-	Learn More Reviews
Rate History: 4.00% → 3.75%
Spirit Financial Restrictions	3.75%	$500	-	Learn More Reviews
Radiant	3.72%	$10,000	-	Learn More Reviews
Pelican State Restrictions	3.71%	$500	-	Learn More Reviews (1)
Rate History: 3.71% → 4.59% → 4.80% → 3.71%
Vystar Restrictions	3.70% 3.60%	$50,000 $500	-	Learn More Reviews (2)
Rate History: 3.75% → 3.70%
Credit Union Of Colorado, A Restrictions	3.70% 3.51% 3.45% 3.40%	$100,000 $10,000 $25,000 $500	-	Learn More Reviews
Rate History: 3.55% → 3.70%
Redstone Restrictions	3.67% 3.40%	$100,000 $1,000	-	Learn More Reviews (3)
Rate History: 3.41% → 3.67%
Randolph-brooks Restrictions	3.66%	$1,000	-	Learn More Reviews
Rate History: 3.65% → 3.66%
Dc Restrictions	3.65% 3.55%	$100,000 $25,000	-	Learn More Reviews
Gecu	3.65%	$1,000	-	Learn More Reviews
Signature Restrictions	3.65%	$500	-	Learn More Reviews
Rate History: 3.90% → 5.50% → 4.25% → 3.65%
Publix Employees Restrictions	3.60% 3.50%	$100,000 $1,000	-	Learn More Reviews
Wheat State Restrictions	3.60%	$500	-	Learn More Reviews
Achieva Credit Union Restrictions	3.60% 3.30%	$500 $75,000	-	Learn More Reviews
Rate History: 3.50% → 2.70% → 3.50% → 3.60%
Partners Restrictions	3.60% 3.55% 3.50% 3.25%	$100,000 $50,000 $1,000 $500	-	Learn More Reviews
Rate History: 3.40% → 3.60%
Las Colinas Restrictions	3.60% 3.55% 3.50%	$50,000 $25,000 $1,000	-	Learn More Reviews
Minnequa Works	3.60% 3.55%	$50,000 $2,500	-	Learn More Reviews
Rate History: 4.06% → 3.60% → 3.65% → 3.60%
Texas Trust Restrictions	3.58%	$500	-	Learn More Reviews
Connexus Restrictions	3.56% 3.51%	$100,000 $5,000	-	Learn More Reviews (7)
Rate History: 4.76% → 4.61% → 4.26% → 3.96% → 3.56%
Campus Usa Restrictions	3.56% 3.30%	$25,000 $2,000	-	Learn More Reviews
Space Coast Restrictions	3.55%	$500	-	Learn More Reviews (1)
Usf Federal Credit Union Restrictions	3.55%	$500	-	Learn More Reviews
Rate History: 4.25% → 3.85% → 3.55%
Palmetto Citizens Restrictions	3.55% 3.49% 3.44%	$250,000 $100,000 $500	-	Learn More Reviews
Allegacy Restrictions	3.55%	$500	-	Learn More Reviews
Rate History: 3.55% → 3.45% → 3.55%
First Community Restrictions	3.55% 3.50%	$100,000 $500	-	Learn More Reviews
Rate History: 3.70% → 3.55%
Velocity Community Restrictions	3.50%	$5,000	-	Learn More Reviews
Rate History: 4.75% → 3.00% → 3.50%
Premier America Restrictions	3.50%	$1,000	-	Learn More Reviews
Rate History: 1.55% → 3.00% → 3.50%
Technology Restrictions	3.50%	$1,000	-	Learn More Reviews
Transportation Restrictions	3.50%	$1,000	-	Learn More Reviews (1)
Radifi Restrictions	3.50% 3.45% 3.40% 3.35% 3.30%	$100,000 $50,000 $25,000 $2,500 $500	-	Learn More Reviews
Hanscom Restrictions	3.50%	$1,000	-	Learn More Reviews
Rate History: 1.50% → 2.50% → 3.50%
Lake Michigan Restrictions	3.50%	$500	-	Learn More Reviews
Capital Communications Restrictions	3.50%	$500	-	Learn More Reviews
Teachers Restrictions	3.50%	$1,000	-	Learn More Reviews
Rate History: 4.25% → 3.50%
Greenwood Restrictions	3.50%	$1,000	-	Learn More Reviews (1)
Broadview Restrictions	3.50%	$500	-	Learn More Reviews
Georgia's Own Restrictions	3.46%	$500	-	Learn More Reviews
Gecu Restrictions	3.46%	$1,000	-	Learn More Reviews (1)
Community Credit Union Of Florida Restrictions	3.45%	$1,000	-	Learn More Reviews
Rate History: 3.55% → 3.45%
121 Financial Restrictions	3.45%	$500	-	Learn More Reviews (1)
Town & Country Restrictions	3.45%	$500	-	Learn More Reviews (1)
Rate History: 3.50% → 3.45%
Ridgedale Restrictions	3.45%	$500	-	Learn More Reviews
Rate History: 2.48% → 3.45%
Stanford Restrictions	3.45%	$1,000	-	Learn More Reviews
Ukrainian National Restrictions	3.44%	$1,000	-	Learn More Reviews
Ent Restrictions	3.43%	$500	-	Learn More Reviews
Rate History: 3.49% → 3.43% → 3.38% → 3.43%
Shell Restrictions	3.40% 3.25%	$50,000 $500	-	Learn More Reviews (1)
Rate History: 3.65% → 3.40%
US Alliance Restrictions	3.40%	$500	-	Learn More Reviews
Afena Restrictions	3.40% 3.30% 3.14%	$100,000 $10,000 $250	-	Learn More Reviews
Gte Restrictions	3.40% 3.14%	$100,000 $500	-	Learn More Reviews (1)
Rate History: 5.12% → 3.56% → 3.40%
Hiway	3.39% 3.25% 3.15%	$25,000 $10,000 $500	-	Learn More Reviews
Listerhill Restrictions	3.35%	$500	-	Learn More Reviews
Rate History: 3.39% → 3.35%
Security First Restrictions	3.35% 3.25% 3.05% 2.89% 2.02%	$100,000 $50,000 $25,000 $1,000 $500	-	Learn More Reviews
Rate History: 3.56% → 3.35%
Gulf Winds Restrictions	3.35%	$500	-	Learn More Reviews
Truliant Restrictions	3.34% 3.29% 3.24% 3.18%	$100,000 $25,000 $5,000 $250	-	Learn More Reviews
Rate History: 3.35% → 3.34%
Riverview Restrictions	3.30% 3.04% 2.94%	$50,000 $10,000 $500	-	Learn More Reviews
Fort Liberty Restrictions	3.30% 3.20%	$25,000 $500	-	Learn More Reviews
First Flight Restrictions	3.30% 3.20%	$10,000 $500	-	Learn More Reviews
Xcel Restrictions	3.30%	$500	-	Learn More Reviews
Access Restrictions	3.30%	$1,000	-	Learn More Reviews
Rate History: 3.30% → 3.20% → 3.30%
Bank Fund Staff Restrictions	3.25%	$1,000	-	Learn More Reviews (1)
Safe Restrictions	3.25% 3.20%	$25,000 $500	-	Learn More Reviews
Florida Restrictions	3.25%	$1,000	-	Learn More Reviews
Tyndall Restrictions	3.25%	$1,000	-	Learn More Reviews (5)
Abound Restrictions	3.25%	$500	-	Learn More Reviews
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 Reviews
Hudson Valley	3.25%	$500	-	Learn More Reviews
Trustone Financial	3.25%	$500	-	Learn More Reviews
American Airlines Restrictions	3.25%	$1,000	-	Learn More Reviews (1)
Suffolk Restrictions	3.20%	$500	-	Learn More Reviews
Rate History: 3.50% → 3.20%
Corning Restrictions	3.20% 3.00%	$100,000 $1,000	-	Learn More Reviews
State Employees' Restrictions	3.20%	$250	-	Learn More Reviews
Unify Financial Restrictions	3.20% 3.05% 2.90%	$100,000 $40,000 $1,000	-	Learn More Reviews (1)
Global Restrictions	3.20% 3.05% 2.90%	$250,000 $100,000 $10,000	-	Learn More Reviews
Farmers Insurance Group Restrictions	3.15% 3.00%	$100,000 $1,000	-	Learn More Reviews
Addition Financial	3.14%	$1,000	-	Learn More Reviews
Rate History: 3.25% → 3.40% → 3.30% → 3.04% → 3.14%
Premier Members Restrictions	3.10% 3.00%	$100,000 $500	-	Learn More Reviews (1)
Sandia Area Restrictions	3.10%	$500	-	Learn More Reviews
Credit Union Of Southern California Restrictions	3.10%	$1,000	-	Learn More Reviews
Rate History: 3.20% → 3.10%
Credit Union Of Denver Restrictions	3.10%	$1,000	-	Learn More Reviews
Educational Restrictions	3.10% 3.05%	$100,000 $1,000	-	Learn More Reviews
Sooper Restrictions	3.10% 3.00%	$50,000 $500	-	Learn More Reviews
Sun East Restrictions	3.10% 3.00%	$99,000 $500	-	Learn More Reviews (2)
Empower Restrictions	3.10%	$500	-	Learn More Reviews
Bayer Heritage Restrictions	3.10% 3.05%	$100,000 $100	-	Learn More Reviews
Pennsylvania State Employees Restrictions	3.05%	$500	-	Learn More Reviews
Greater Springfield Restrictions	3.04%	$1,000	-	Learn More Reviews
Rate History: 2.53% → 3.04%
Metro Restrictions	3.00%	$0	-	Learn More Reviews
Oklahoma Restrictions	3.00%	$15,000	-	Learn More Reviews
Patelco Restrictions	3.00%	$250	-	Learn More Reviews (2)
Rate History: 3.00% → 3.00%
Midflorida Restrictions	3.00%	$1,000	-	Learn More Reviews (1)
Rate History: 2.25% → 2.50% → 3.00%
Partner Colorado Restrictions	3.00%	$500	-	Learn More Reviews
Polish & Slavic Restrictions	3.00% 2.50%	$50,000 $500	-	Learn More Reviews
Indiana University Restrictions	3.00%	$500	-	Learn More Reviews
Liberty Restrictions	3.00%	$1,000	-	Learn More Reviews
Communityamerica Restrictions	3.00%	$500	-	Learn More Reviews
Safeamerica Restrictions	3.00%	$1,000	-	Learn More Reviews
Trustone Financial Restrictions	3.00%	$500	-	Learn More Reviews (2)
Town And Country Restrictions	3.00%	$500	-	Learn More Reviews
U.s. Eagle Restrictions	3.00%	$1,000	-	Learn More Reviews
Mid-hudson Valley Restrictions	3.00%	$500	-	Learn More Reviews (1)
Community First Restrictions	3.00%	$1,000	-	Learn More Reviews
Members Choice Restrictions	3.00%	$500	-	Learn More Reviews
Rate History: 2.75% → 3.00%
Wellby Restrictions	2.99%	$1,000	-	Learn More Reviews (1)
Pen Air	2.95%	$500	-	Learn More Reviews
Rate History: 2.70% → 2.95%
U. S. Employees O. C.	2.90%	$500	-	Learn More Reviews
Rate History: 3.00% → 2.90%
Canvas Restrictions	2.90%	$1,000	-	Learn More Reviews
Rate History: 3.40% → 3.45% → 3.40% → 2.85% → 2.90%
Elements Financial Restrictions	2.90%	$1,000	-	Learn More Reviews
On Tap Restrictions	2.85% 2.75%	$100,000 $500	-	Learn More Reviews
Nuvision Restrictions	2.85% 2.80% 2.75% 2.70%	$100,000 $50,000 $25,000 $1,000	-	Learn More Reviews
Align Restrictions	2.85%	$500	-	Learn More Reviews
Westerra Restrictions	2.80%	$500	-	Learn More Reviews
Evolve Restrictions	2.78%	$500	-	Learn More Reviews
Expedition Restrictions	2.78%	$500	-	Learn More Reviews
Quorum Restrictions	2.75%	$1,000	-	Learn More Reviews (2)
Rate History: 2.85% → 3.75% → 2.75% → 48.00%
Blue Restrictions	2.75%	$1,000	-	Learn More Reviews
Rate History: 0.90% → 2.75%
Pen Air Restrictions	2.75%	$500	-	Learn More Reviews (1)
United Nations Restrictions	2.75%	$500	-	Learn More Reviews
Gesa Restrictions	2.75% 2.55% 2.35%	$100,000 $50,000 $500	-	Learn More Reviews (2)
United Restrictions	2.70%	$500	-	Learn More Reviews
Onpoint Community Restrictions	2.70% 2.45%	$1,001 $1,000	-	Learn More Reviews (1)
Americu Restrictions	2.69%	$500	-	Learn More Reviews
Logix Restrictions	2.65% 2.55%	$100,000 $1,000	-	Learn More Reviews
Mass Bay Restrictions	2.65%	$500	-	Learn More Reviews (1)
Superior Choice Restrictions	2.63% 2.53%	$100,000 $500	-	Learn More Reviews (1)
Rate History: 2.89% → 3.14% → 2.63% → 2.89% → 2.63%
Provident Restrictions	2.61% 2.56%	$50,000 $1,000	-	Learn More Reviews
Valley Restrictions	2.60%	$500	-	Learn More Reviews
Park Community Credit Union, Inc. Restrictions	2.55% 2.50%	$50,000 $500	-	Learn More Reviews
Wings Financial Restrictions	2.53% 2.48% 2.42% 2.37%	$250,000 $100,000 $10,000 $500	-	Learn More Reviews
Connex Restrictions	2.50%	$500	-	Learn More Reviews
Kinecta Restrictions	2.50% 2.25%	$100,000 $100	-	Learn More Reviews (2)
Texas Dow Employees Restrictions	2.50% 2.35%	$100,000 $1,000	-	Learn More Reviews (1)
Three Rivers Restrictions	2.50%	$1,000	-	Learn More Reviews
Heritage Restrictions	2.50%	$500	-	Learn More Reviews
Affinity Plus Restrictions	2.50%	$500	-	Learn More Reviews (1)
Affinity Restrictions	2.50%	$500	-	Learn More Reviews
Rate History: 2.00% → 2.50%
Pittsford Restrictions	2.50%	$50	-	Learn More Reviews
Rate History: 3.25% → 3.65% → 2.75% → 2.50%
Boeing Employees Restrictions	2.48% 2.43%	$50,000 $500	-	Learn More Reviews
University Of Wisconsin Restrictions	2.45% 2.40% 2.35%	$250,000 $10,000 $500	-	Learn More Reviews
Travis Restrictions	2.45% 2.00%	$500 $50,000	-	Learn More Reviews
Rate History: 2.20% → 1.40% → 2.20% → 2.45%
Service Restrictions	2.45%	$500	-	Learn More Reviews
Rate History: 4.50% → 4.25% → 2.45%
Royal Restrictions	2.40%	$0	-	Learn More Reviews
Summit Restrictions	2.40%	$500	-	Learn More Reviews
Rate History: 1.20% → 2.40%
True Sky	2.36%	$500	-	Learn More Reviews
The Summit Restrictions	2.32%	$500	-	Learn More Reviews (1)
Rate History: 2.75% → 2.96% → 2.71% → 2.47% → 2.32%
Rev Restrictions	2.30%	$250	-	Learn More Reviews
Rate History: 2.30% → 2.25% → 2.30%
New England Restrictions	2.27%	$500	-	Learn More Reviews
OHIO CATHOLIC FCU Restrictions	2.25%	$500	-	Learn More Reviews
Rate History: 3.00% → 2.95% → 2.25%
Chartway Restrictions	2.15%	$500	-	Learn More Reviews
East Idaho Restrictions	2.12%	$500	-	Learn More Reviews
San Diego County Restrictions	2.10% 2.05% 2.00%	$90,000 $10,000 $2,000	-	Learn More Reviews
Rate History: 1.85% → 2.10%
Mission Restrictions	2.05% 2.00% 1.95%	$100,000 $10,000 $2,000	-	Learn More Reviews
Town And Country	2.02% 1.82%	$10,000 $1,000	-	Learn More Reviews
Securityplus Restrictions	2.01%	$1,000	-	Learn More Reviews
Baxter Restrictions	2.00%	$500	-	Learn More Reviews
Rate History: 2.30% → 2.10% → 2.00%
Blupeak Restrictions	2.00%	$1,000	-	Learn More Reviews
Elevations Restrictions	2.00%	$500	-	Learn More Reviews
Dover Restrictions	2.00%	$500	-	Learn More Reviews
Fairwinds Restrictions	2.00%	$1,000	-	Learn More Reviews
Marine Restrictions	1.90%	$1,000	-	Learn More Reviews
Great Lakes Restrictions	1.85% 1.55%	$100,000 $1,000	-	Learn More Reviews
Saint Lawrence Restrictions	1.82% 1.71% 1.61%	$75,000 $25,000 $0	-	Learn More Reviews
Rate History: 1.71% → 1.82%
State Employees Cu Of Maryland, Inc Restrictions	1.75%	$500	-	Learn More Reviews
Members 1st Restrictions	1.75% 1.70% 1.60% 1.50% 1.45% 1.40%	$1,000,000 $100,000 $75,000 $50,000 $10,000 $500	-	Learn More Reviews
Policemen's Restrictions	1.75%	$100,000	-	Learn More Reviews
Policemen's Restrictions	1.70%	$10,000	-	Learn More Reviews
Del Norte Restrictions	1.66%	$100,000	-	Learn More Reviews
Del Norte Restrictions	1.61%	$10,000	-	Learn More Reviews
Fortress	1.60%	$10,000	-	Learn More Reviews
Lincoln County Restrictions	1.60%	$1,000	-	Learn More Reviews
Credit Union One Of Oklahoma Restrictions	1.60% 1.55%	$500 $100,000	-	Learn More Reviews
Columbia Community Restrictions	1.60% 1.45%	$100,000 $0	-	Learn More Reviews
Gsa Restrictions	1.57%	$10,000	-	Learn More Reviews
Ascension Restrictions	1.56%	$10,000	-	Learn More Reviews
Louisiana Restrictions	1.56%	$10,000	-	Learn More Reviews (1)
Jersey Central Restrictions	1.56%	$500	-	Learn More Reviews
Loco Restrictions	1.56%	$500	-	Learn More Reviews
Wildfire Restrictions	1.55%	$100,000	-	Learn More Reviews
Co-op Credit Union Of Montevideo Restrictions	1.55%	$10,000	-	Learn More Reviews
Riverways Restrictions	1.55%	$250	-	Learn More Reviews
Doches Restrictions	1.55%	$10,000	-	Learn More Reviews
Alabama One Restrictions	1.51%	$10,000	-	Learn More Reviews
Alabama Rural Electric Restrictions	1.51%	$10,000	-	Learn More Reviews
Matanuska Valley Restrictions	1.51%	$10,000	-	Learn More Reviews
Boston Firefighters Restrictions	1.51%	$10,000	-	Learn More Reviews
Encompass Restrictions	1.51%	$500	-	Learn More Reviews
Via Credit Union Restrictions	1.51%	$10,000	-	Learn More Reviews (1)
Bossier Restrictions	1.51%	$10,000	-	Learn More Reviews
Horizon Restrictions	1.51%	$10,000	-	Learn More Reviews
Guadalupe Restrictions	1.51%	$10,000	-	Learn More Reviews
Spc Restrictions	1.50%	$1,000	-	Learn More Reviews
Solidarity Community Restrictions	1.50%	$500	-	Learn More Reviews (1)
Carter Restrictions	1.50%	$10,000	-	Learn More Reviews
Coosa Pines Restrictions	1.50%	$10,000	-	Learn More Reviews
Pcm Restrictions	1.50%	$10,000	-	Learn More Reviews
Metrowest Community Restrictions	1.47%	$100,000	-	Learn More Reviews (1)
West Michigan Restrictions	1.47%	$100,000	-	Learn More Reviews
Jefferson Financial Restrictions	1.46%	$100,000	-	Learn More Reviews (1)
Jolt	1.46%	$10,000	-	Learn More Reviews
Sandia Laboratory Restrictions	1.45%	$100,000	-	Learn More Reviews
Operating Engineers Local Union #3 Restrictions	1.45%	$10,000	-	Learn More Reviews
Team One Restrictions	1.45%	$10,000	-	Learn More Reviews
Health Advantage Restrictions	1.45%	$10,000	-	Learn More Reviews
Spco Restrictions	1.45%	$50,000	-	Learn More Reviews
Alps Restrictions	1.41%	$10,000	-	Learn More Reviews
Credit Union 1 Restrictions	1.41%	$100,000	-	Learn More Reviews
Ouachita Valley Restrictions	1.41%	$10,000	-	Learn More Reviews
K V Restrictions	1.41%	$10,000	-	Learn More Reviews
Catholic United Financial	1.41%	$10,000	-	Learn More Reviews
El Paso Area Teachers Restrictions	1.41%	$100,000	-	Learn More Reviews
Houston Texas Fire Fighters Restrictions	1.41%	$100,000	-	Learn More Reviews
Kraftcor	1.41%	$1,000	-	Learn More Reviews
Federal Employees	1.40%	$10,000	-	Learn More Reviews
Dch Restrictions	1.40%	$10,000	-	Learn More Reviews
City Of Boston Restrictions	1.40%	$50,000	-	Learn More Reviews
Wymar Restrictions	1.40%	$75,000	-	Learn More Reviews
Envista Restrictions	1.40%	$500	-	Learn More Reviews
Sm Restrictions	1.40%	$10,000	-	Learn More Reviews
Kansas Teachers Community Restrictions	1.40%	$10,000	-	Learn More Reviews
Maine State Restrictions	1.40%	$10,000	-	Learn More Reviews (1)
Elga Restrictions	1.40%	$100,000	-	Learn More Reviews
Dort Financial	1.40%	$100,000	-	Learn More Reviews
Zeal Restrictions	1.40%	$100,000	-	Learn More Reviews
Department Of Public Safety Restrictions	1.40% 1.35% 1.30% 1.25%	$80,000 $25,000 $10,000 $500	-	Learn More Reviews
Chemcel Restrictions	1.40%	$100,000	-	Learn More Reviews
Brazos Valley Schools Restrictions	1.40%	$100,000	-	Learn More Reviews
San Patricio County Teachers Restrictions	1.40%	$10,000	-	Learn More Reviews
Ferguson Restrictions	1.40%	$10,000	-	Learn More Reviews
Coca-cola Restrictions	1.37%	$500	-	Learn More Reviews
Midwest Community Restrictions	1.36%	$100,000	-	Learn More Reviews
Jefferson Financial Restrictions	1.36%	$10,000	-	Learn More Reviews (1)
Alabama Teachers Restrictions	1.36%	$10,000	-	Learn More Reviews
Credit Union 1 Restrictions	1.36%	$10,000	-	Learn More Reviews
Act 1st Restrictions	1.36%	$100,000	-	Learn More Reviews
Filer Restrictions	1.36%	$100,000	-	Learn More Reviews
Rio Grande Restrictions	1.36%	$100,000	-	Learn More Reviews (1)
First Heritage Restrictions	1.36%	$10,000	-	Learn More Reviews
Ohio Valley Community Restrictions	1.36%	$10,000	-	Learn More Reviews
Kerr County Restrictions	1.36%	$10,000	-	Learn More Reviews
Romney	1.36%	$10,000	-	Learn More Reviews
Kelly Community Restrictions	1.36%	$10,000	-	Learn More Reviews
Eagle One Restrictions	1.36%	$10,000	-	Learn More Reviews
California Coast Restrictions	1.35%	$100,000	-	Learn More Reviews
Mac Restrictions	1.35%	$1,000	-	Learn More Reviews
Onpath Restrictions	1.35%	$10,000	-	Learn More Reviews (1)
Southcoast Restrictions	1.35%	$10,000	-	Learn More Reviews (2)
Members Cooperative Restrictions	1.35%	$100,000	-	Learn More Reviews
Hiway Restrictions	1.35%	$100,000	-	Learn More Reviews
Clackamas Community Restrictions	1.35%	$10,000	-	Learn More Reviews
Texas Tech Restrictions	1.35%	$10,000	-	Learn More Reviews
Texell Restrictions	1.35%	$10,000	-	Learn More Reviews
Spco Restrictions	1.35%	$1,000	-	Learn More Reviews
Trona Valley Community Restrictions	1.35%	$10,000	-	Learn More Reviews
Wyhy Restrictions	1.35%	$100,000	-	Learn More Reviews
Spirit Of Alaska Restrictions	1.32%	$10,000	-	Learn More Reviews
Houston Restrictions	1.32%	$100,000	-	Learn More Reviews
Five Star Restrictions	1.31%	$10,000	-	Learn More Reviews
Jacksonville Firemen's Restrictions	1.31%	$10,000	-	Learn More Reviews
Riverside Community Restrictions	1.31%	$10,000	-	Learn More Reviews
Members Choice Restrictions	1.31%	$10,000	-	Learn More Reviews
Quincy Restrictions	1.31%	$10,000	-	Learn More Reviews
Brewer Restrictions	1.31%	$10,000	-	Learn More Reviews
Country Heritage	1.31%	$10,000	-	Learn More Reviews
Ideal Restrictions	1.31%	$100,000	-	Learn More Reviews (1)
Share Advantage	1.31%	$10,000	-	Learn More Reviews
Assemblies Of God Restrictions	1.31%	$10,000	-	Learn More Reviews
Hometown Restrictions	1.31%	$10,000	-	Learn More Reviews
White Sands Restrictions	1.31%	$100,000	-	Learn More Reviews
Sru Restrictions	1.31%	$10,000	-	Learn More Reviews
Texans Restrictions	1.31%	$10,000	-	Learn More Reviews
El Paso Area Teachers Restrictions	1.31%	$10,000	-	Learn More Reviews
Educators Restrictions	1.31%	$10,000	-	Learn More Reviews
Tech Restrictions	1.31%	$100,000	-	Learn More Reviews
Caprock Restrictions	1.31%	$100,000	-	Learn More Reviews
Tomah Area Restrictions	1.31%	$100	-	Learn More Reviews
City Of Boston Restrictions	1.30%	$500	-	Learn More Reviews
Atlanta Postal Restrictions	1.30%	$100,000	-	Learn More Reviews
First U.s. Community Restrictions	1.30%	$100,000	-	Learn More Reviews
Community Resource Restrictions	1.30%	$100	-	Learn More Reviews
Credit Union Of Atlanta Restrictions	1.30%	$10,000	-	Learn More Reviews
Kirtland Restrictions	1.30%	$100,000	-	Learn More Reviews
Tucson Restrictions	1.30%	$10,000	-	Learn More Reviews
Membersfirst Restrictions	1.30%	$10,000	-	Learn More Reviews
Aberdeen Proving Ground Restrictions	1.30%	$25,000	-	Learn More Reviews
Safe Harbor Restrictions	1.30%	$100,000	-	Learn More Reviews
Wildfire Restrictions	1.30%	$10,000	-	Learn More Reviews
Adventure Restrictions	1.30%	$10,000	-	Learn More Reviews
Zeal Restrictions	1.30%	$10,000	-	Learn More Reviews
Abco Restrictions	1.30%	$100,000	-	Learn More Reviews
Great Basin Restrictions	1.30%	$100,000	-	Learn More Reviews
Sea Comm Restrictions	1.30%	$1,000	-	Learn More Reviews
Steel Valley Restrictions	1.30%	$10,000	-	Learn More Reviews
Chemcel Restrictions	1.30%	$10,000	-	Learn More Reviews
Brazos Valley Schools Restrictions	1.30%	$10,000	-	Learn More Reviews
Port Arthur Community Restrictions	1.30%	$10,000	-	Learn More Reviews
Member One Restrictions	1.30%	$10,000	-	Learn More Reviews
Winnebago Community Restrictions	1.30%	$10,000	-	Learn More Reviews
Wyhy Restrictions	1.30%	$10,000	-	Learn More Reviews
Uniwyo Restrictions	1.30%	$10,000	-	Learn More Reviews
First Florida Restrictions	1.29%	$10,000	-	Learn More Reviews (1)
Energy Plus Restrictions	1.27%	$10,000	-	Learn More Reviews
Metrowest Community Restrictions	1.27%	$10,000	-	Learn More Reviews (1)
Upstate Restrictions	1.27%	$10,000	-	Learn More Reviews
Lewis Clark Restrictions	1.26%	$10,000	-	Learn More Reviews
Long Reach Restrictions	1.26%	$500	-	Learn More Reviews
Sacramento Restrictions	1.26%	$100,000	-	Learn More Reviews
Union Square Restrictions	1.26%	$1,000	-	Learn More Reviews
Beacon Restrictions	1.26%	$100,000	-	Learn More Reviews
Somerset Restrictions	1.26%	$10,000	-	Learn More Reviews
Nesc Restrictions	1.26%	$10,000	-	Learn More Reviews
Act 1st Restrictions	1.26%	$10,000	-	Learn More Reviews
Wepco Restrictions	1.26%	$10,000	-	Learn More Reviews
Cumberland County Restrictions	1.26%	$100,000	-	Learn More Reviews (2)
New Dimensions Restrictions	1.26%	$10,000	-	Learn More Reviews
Filer Restrictions	1.26%	$10,000	-	Learn More Reviews
Preferred Restrictions	1.26%	$10,000	-	Learn More Reviews
Circle Restrictions	1.26%	$10,000	-	Learn More Reviews
Our Restrictions	1.26%	$10,000	-	Learn More Reviews
Credit Union Advantage Restrictions	1.26%	$100,000	-	Learn More Reviews
Central Missouri Community Restrictions	1.26%	$500	-	Learn More Reviews
Kellogg Midwest Restrictions	1.26%	$10,000	-	Learn More Reviews
Rio Grande Restrictions	1.26%	$10,000	-	Learn More Reviews (1)
The Focus Restrictions	1.26%	$10,000	-	Learn More Reviews
Members Choice Of Central Texas Restrictions	1.26%	$10,000	-	Learn More Reviews
Genco Restrictions	1.26%	$10,000	-	Learn More Reviews
Synergy Restrictions	1.26%	$100,000	-	Learn More Reviews
Houston Texas Fire Fighters Restrictions	1.26%	$10,000	-	Learn More Reviews
Bp Restrictions	1.26%	$10,000	-	Learn More Reviews
1st Community Restrictions	1.26%	$100,000	-	Learn More Reviews
Gale Restrictions	1.26%	$10,000	-	Learn More Reviews
Baraga County Restrictions	1.26%	$10,000	-	Learn More Reviews
Cdc Restrictions	1.25%	$10,000	-	Learn More Reviews
First U.s. Community Restrictions	1.25%	$10,000	-	Learn More Reviews
Beehive Restrictions	1.25%	$100,000	-	Learn More Reviews
Excel Restrictions	1.25%	$10,000	-	Learn More Reviews
Cencap Restrictions	1.25%	$10,000	-	Learn More Reviews
Blue Eagle Restrictions	1.25%	$10,000	-	Learn More Reviews
Pyramid Restrictions	1.25%	$10,000	-	Learn More Reviews
Tropical Financial Restrictions	1.25%	$500	-	Learn More Reviews
Auburn University	1.25%	$100,000	-	Learn More Reviews

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

See rates for Online Banks →

See rates for Local Banks →

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.