Credit Union CD Rates – 5-Year – Holbrook, Arizona 2024

Below are 5 year CD Rates from credit unions that are located in Holbrook, Arizona. Five Year Certificates of Deposit (CD) are generally the longest term CD that most credit unions will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

Holbrook, AZ - April 19, 2024

5 Year CD National Average : 0.91% ^?

Credit Unions	APY	MIN	MILES ^?
Advancial Restrictions	5.40% 5.29% 5.19%	$50,000 $25,000 $1,000	-	Learn More Reviews
Rate History: 5.37% → 5.40%
Dexsta Restrictions	5.38%	$1,000	-	Learn More Reviews
Tennessee Valley Restrictions	5.09%	$1,000	-	Learn More Reviews
Blucurrent Restrictions	5.00%	$1,000	-	Learn More Reviews
Rate History: 3.05% → 5.00%
Lone Star Restrictions	4.80%	$500	-	Learn More Reviews
American 1 Restrictions	4.75%	$500	-	Learn More Reviews
La Capitol Restrictions	4.70% 4.50%	$100,000 $500	-	Learn More Reviews (1)
All In Restrictions	4.65% 3.76%	$100,000 $1,000	-	Learn More Reviews (1)
Rate History: 4.23% → 4.13% → 5.17% → 4.96% → 4.65%
Self-help Restrictions	4.65%	$500	-	Learn More Reviews (1)
Inner Lakes Restrictions	4.65%	$1,000	-	Learn More Reviews
Merck Sharp & Dohme Restrictions	4.60% 4.45%	$25,000 $1,000	-	Learn More Reviews
Frontwave Restrictions	4.50%	$1,000	-	Learn More Reviews
Schoolsfirst Restrictions	4.50% 4.45% 4.40% 4.35%	$100,000 $50,000 $20,000 $500	-	Learn More Reviews
Rate History: 4.45% → 4.60% → 4.75% → 4.50%
Pima Restrictions	4.50%	$250	-	Learn More Reviews
St. Paul Restrictions	4.50%	$1,000	-	Learn More Reviews
Rate History: 3.25% → 4.50%
Covantage Restrictions	4.50%	$1,000	-	Learn More Reviews
Virginia Credit Union, Inc., Restrictions	4.48% 4.27% 4.06% 4.05%	$100,000 $50,000 $5,000 $500	-	Learn More Reviews (2)
Tower Restrictions	4.40% 3.40% 2.75%	$500 $20,000 $5,000	-	Learn More Reviews
Rate History: 3.80% → 4.05% → 4.10% → 4.00% → 4.40%
Financial Resources Restrictions	4.39%	$500	-	Learn More Reviews
State Department Restrictions	4.37% 4.16%	$100,000 $500	-	Learn More Reviews
Lafayette Restrictions	4.37% 4.32%	$100,000 $500	-	Learn More Reviews
Rate History: 4.42% → 4.37%
Michigan State University Restrictions	4.35% 3.85%	$100,000 $500	-	Learn More Reviews
Community First Credit Union Of Flo Restrictions	4.35% 4.25% 4.20% 4.09%	$250,000 $100,000 $45,000 $500	-	Learn More Reviews
Department of Commerce Restrictions	4.34%	$500	-	Learn More Reviews (2)
Rate History: 4.50% → 4.34%
Credit Union Of Texas Restrictions	4.30% 4.20% 4.10% 4.00%	$250,000 $200,000 $100,000 $1,000	-	Learn More Reviews
Direct Restrictions	4.30% 4.25%	$100,000 $250	-	Learn More Reviews
Community First Restrictions	4.30%	$1,000	-	Learn More Reviews (1)
Landmark Restrictions	4.30%	$500	-	Learn More Reviews
Northrop Grumman Restrictions	4.26% 4.10%	$40,000 $2,500	-	Learn More Reviews
Rate History: 4.43% → 4.12% → 4.17% → 4.23% → 4.26%
Agriculture Restrictions	4.25%	$250	-	Learn More Reviews
Inova Restrictions	4.25%	$200	-	Learn More Reviews
Rate History: 2.75% → 4.00% → 4.25% → 4.50% → 4.25%
Nextmark Restrictions	4.25%	$100,000	-	Learn More Reviews
Rate History: 3.76% → 4.25%
Eecu Restrictions	4.25% 4.15%	$50,000 $1,000	-	Learn More Reviews
Rate History: 4.27% → 4.25%
Utah First Restrictions	4.25%	$2,000	-	Learn More Reviews
Rate History: 4.25% → 4.00% → 4.25% → 4.00% → 4.25%
Mountain America Restrictions	4.25%	$500	-	Learn More Reviews
Rate History: 4.20% → 4.25%
Langley Restrictions	4.25%	$500	-	Learn More Reviews
Rate History: 4.25% → 1.50% → 4.25%
Stanford Restrictions	4.23%	$1,000	-	Learn More Reviews
America First Restrictions	4.20%	$500	-	Learn More Reviews (4)
Rate History: 4.00% → 4.10% → 4.20%
United States Senate Restrictions	4.18% 4.13% 4.08%	$200,000 $100,000 $1,000	-	Learn More Reviews
Rate History: 4.34% → 4.97% → 4.18%
Grow Financial Restrictions	4.18% 4.07%	$100,000 $500	-	Learn More Reviews (1)
Afena Restrictions	4.18% 4.07% 3.92%	$100,000 $10,000 $250	-	Learn More Reviews
Wright-patt Credit Union, Inc. Restrictions	4.18% 4.07%	$100,000 $500	-	Learn More Reviews
Commonwealth One Restrictions	4.18% 4.13% 4.08%	$100,000 $50,000 $1,000	-	Learn More Reviews
Rate History: 3.92% → 3.61% → 3.92% → 4.18%
Brightstar Restrictions	4.15%	$500	-	Learn More Reviews (1)
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)
Eastman Restrictions	4.15% 4.09%	$100,000 $1,000	-	Learn More Reviews
Desert Financial	4.13% 4.07%	$100,000 $1,000	-	Learn More Reviews
Firefighters First Restrictions	4.13% 4.07% 4.02%	$100,000 $50,000 $1,000	-	Learn More Reviews
First United Restrictions	4.10% 4.00%	$50,000 $500	-	Learn More Reviews
Suma Yonkers Restrictions	4.08%	$1,000	-	Learn More Reviews
Self-help Restrictions	4.08%	$500	-	Learn More Reviews (1)
Rate History: 4.65% → 4.86% → 4.29% → 4.08%
Library Of Congress Restrictions	4.06%	$500	-	Learn More Reviews
Rate History: 4.32% → 4.06%
Mtc Restrictions	4.06% 3.86%	$10,000 $250	-	Learn More Reviews
Ingersoll-rand Restrictions	4.06%	$1,000	-	Learn More Reviews
Dc Restrictions	4.06%	$500	-	Learn More Reviews
Credit Union Of Denver Restrictions	4.05% 4.00%	$10,000 $1,000	-	Learn More Reviews
Suncoast Restrictions	4.05% 3.80%	$100,000 $500	-	Learn More Reviews (1)
Rate History: 4.05% → 3.95% → 4.05%
Alliant Restrictions	4.05% 4.00%	$75,000 $1,000	-	Learn More Reviews (5)
Trumark Financial Restrictions	4.05% 4.00%	$75,000 $500	-	Learn More Reviews
Rate History: 4.00% → 4.05%
Genisys Restrictions	4.02% 3.97%	$100,000 $500	-	Learn More Reviews
Rate History: 3.77% → 3.80% → 4.02%
Nasa Restrictions	4.00%	$1,000	-	Learn More Reviews
Rate History: 4.25% → 4.05% → 4.30% → 4.10% → 4.00%
Velocity Community Restrictions	4.00%	$5,000	-	Learn More Reviews
Rate History: 4.50% → 3.00% → 4.00%
Associated Credit Union Restrictions	4.00%	$200	-	Learn More Reviews
Rate History: 4.25% → 4.00%
Logix Restrictions	4.00% 3.50%	$100,000 $1,000	-	Learn More Reviews
Rate History: 4.50% → 4.00%
Wescom Central Restrictions	4.00%	$500	-	Learn More Reviews
Rate History: 4.50% → 4.40% → 4.50% → 4.40% → 4.00%
Bellco Restrictions	4.00%	$500	-	Learn More Reviews (3)
Colorado Restrictions	4.00% 3.90%	$100,000 $500	-	Learn More Reviews
American Heritage Restrictions	4.00%	$1,000	-	Learn More Reviews (2)
Air Academy Restrictions	4.00%	$500	-	Learn More Reviews
Trax Restrictions	4.00% 3.80%	$100,000 $500	-	Learn More Reviews
Rate History: 3.75% → 4.00%
Credit Union Of Colorado, A Restrictions	4.00% 3.90% 3.80% 3.70%	$100,000 $25,000 $10,000 $500	-	Learn More Reviews
Rate History: 4.00% → 4.30% → 4.00%
Communitywide Restrictions	4.00%	$1,000	-	Learn More Reviews
Rate History: 4.20% → 4.00%
Signature Restrictions	4.00%	$500	-	Learn More Reviews
Rate History: 4.00% → 5.55% → 4.15% → 4.00%
G.p.o. Restrictions	4.00%	$1,000	-	Learn More Reviews
Rate History: 3.60% → 4.00%
Police & Fire Restrictions	4.00%	$1,000	-	Learn More Reviews (1)
Rate History: 3.75% → 4.00%
Security Service Restrictions	4.00% 3.95% 3.90%	$50,000 $25,000 $500	-	Learn More Reviews (1)
Neches Restrictions	4.00% 3.85%	$100,000 $1,000	-	Learn More Reviews
Rate History: 4.25% → 4.00%
Credit Human Restrictions	4.00%	$500	-	Learn More Reviews (1)
Delta Community Restrictions	4.00%	$1,000	-	Learn More Reviews
Rate History: 4.35% → 4.00%
Northwest Restrictions	4.00%	$1,000	-	Learn More Reviews
Texas People Restrictions	3.98% 3.38%	$50,000 $1,000	-	Learn More Reviews
Velocity Restrictions	3.96%	$1,000	-	Learn More Reviews
Andrews Federal Credit Union Restrictions	3.95% 3.90%	$10,000 $1,000	-	Learn More Reviews
Visions Restrictions	3.95%	$500	-	Learn More Reviews
Rate History: 4.05% → 3.95%
First Community Restrictions	3.95% 3.90%	$100,000 $500	-	Learn More Reviews
Rate History: 3.75% → 3.55% → 3.95%
Minnequa Works	3.91% 3.85%	$50,000 $2,500	-	Learn More Reviews
Rate History: 4.32% → 3.66% → 3.70% → 3.91%
The Golden 1 Restrictions	3.90% 3.80%	$100,000 $500	-	Learn More Reviews
Citadel Restrictions	3.90% 3.85%	$75,000 $500	-	Learn More Reviews
Interior Federal Credit Union	3.87%	$500	-	Learn More Reviews
Rate History: 3.97% → 4.07% → 3.87%
Gardiner Restrictions	3.87%	$500	-	Learn More Reviews
Rate History: 3.66% → 3.87%
A+ Restrictions	3.87%	$1,000	-	Learn More Reviews (1)
Chevron Restrictions	3.85% 3.80% 3.75%	$250,000 $100,000 $500	-	Learn More Reviews
Rate History: 3.95% → 3.85%
Navy Federal Credit Union Restrictions	3.85% 3.80%	$100,000 $1,000	-	Learn More Reviews (19)
Rate History: 4.05% → 0.50% → 3.85%
Spirit Financial Restrictions	3.85%	$500	-	Learn More Reviews
Spectrum	3.85% 3.80% 3.75%	$250,000 $100,000 $500	-	Learn More Reviews
Rate History: 3.95% → 3.85%
Air Force Restrictions	3.85% 3.80%	$100,000 $1,000	-	Learn More Reviews
Rate History: 3.75% → 3.90% → 3.85%
Riverview Restrictions	3.82% 3.56% 3.45%	$50,000 $10,000 $500	-	Learn More Reviews
Campus Usa Restrictions	3.82% 3.56%	$25,000 $2,000	-	Learn More Reviews
Pelican State Restrictions	3.82%	$500	-	Learn More Reviews (1)
Rate History: 3.82% → 4.70% → 4.49% → 3.82%
Investex Restrictions	3.82% 3.56%	$50,000 $1,000	-	Learn More Reviews
Rate History: 3.66% → 4.07% → 3.82%
Tinker Restrictions	3.81% 3.71% 3.60% 3.50% 3.34%	$99,000 $50,000 $25,000 $10,000 $1,000	-	Learn More Reviews
Citizens Equity First Restrictions	3.80% 3.75%	$100,000 $1,000	-	Learn More Reviews
Rate History: 3.55% → 3.80%
Coastal Restrictions	3.80%	$250	-	Learn More Reviews
Pentagon Restrictions	3.80%	$1,000	-	Learn More Reviews (15)
Idaho Central Restrictions	3.75%	$500	-	Learn More Reviews
Rate History: 4.75% → 3.75%
Denver Community Cu D.b.a. Zing Cu Restrictions	3.75% 3.50%	$100,000 $100	-	Learn More Reviews
Lake Michigan Restrictions	3.75%	$500	-	Learn More Reviews
Latino Community Restrictions	3.75% 3.50%	$100,000 $500	-	Learn More Reviews
Rate History: 5.00% → 3.45% → 4.00% → 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: 3.61% → 4.18% → 4.07% → 3.75%
Workers Restrictions	3.75%	$500	-	Learn More Reviews
Rate History: 5.25% → 4.00% → 3.75% → 4.00% → 3.75%
Discovery Restrictions	3.75%	$100	-	Learn More Reviews
Rate History: 4.00% → 3.75%
City Restrictions	3.75%	$1,000	-	Learn More Reviews
Rate History: 4.40% → 3.85% → 3.75%
Cbc Restrictions	3.75%	$500	-	Learn More Reviews
Rate History: 5.00% → 4.75% → 4.25% → 3.75%
Digital Restrictions	3.72% 3.46%	$25,000 $500	-	Learn More Reviews (2)
Rate History: 2.79% → 3.30% → 3.72%
Gecu Restrictions	3.72%	$1,000	-	Learn More Reviews (1)
Eglin Restrictions	3.71%	$2,500	-	Learn More Reviews
Georgia's Own Restrictions	3.70%	$500	-	Learn More Reviews
Partners Restrictions	3.70% 3.65% 3.60% 3.55%	$500 $100,000 $50,000 $1,000	-	Learn More Reviews
Redstone Restrictions	3.68% 3.41%	$100,000 $1,000	-	Learn More Reviews (3)
Rate History: 3.42% → 3.68%
Technology Restrictions	3.65%	$1,000	-	Learn More Reviews
Credit Union Of Georgia Restrictions	3.65% 3.60%	$100,000 $500	-	Learn More Reviews
Rate History: 4.05% → 3.75% → 3.65%
Austin Telco Restrictions	3.65% 3.55% 3.44%	$225,000 $95,000 $1,000	-	Learn More Reviews (1)
Rate History: 3.85% → 3.75% → 3.65%
Gecu	3.65%	$1,000	-	Learn More Reviews
Publix Employees Restrictions	3.65% 3.55%	$100,000 $1,000	-	Learn More Reviews
General Electric Restrictions	3.65%	$0	-	Learn More Reviews
Randolph-brooks Restrictions	3.61%	$1,000	-	Learn More Reviews
Rate History: 3.60% → 3.61%
On Tap Restrictions	3.60% 3.50%	$100,000 $500	-	Learn More Reviews
Wheat State Restrictions	3.60%	$500	-	Learn More Reviews
Las Colinas Restrictions	3.60% 3.55% 3.50%	$50,000 $25,000 $1,000	-	Learn More Reviews
Xcel Restrictions	3.56%	$500	-	Learn More Reviews
Radiant	3.56%	$10,000	-	Learn More Reviews
Space Coast Restrictions	3.55%	$500	-	Learn More Reviews (1)
Radifi Restrictions	3.55% 3.50% 3.45% 3.40% 3.35%	$100,000 $50,000 $25,000 $2,500 $500	-	Learn More Reviews
Community South Restrictions	3.55%	$500	-	Learn More Reviews
Rate History: 1.31% → 3.55%
Allegacy Restrictions	3.55%	$500	-	Learn More Reviews
Launch Credit Union	3.51%	$1,000	-	Learn More Reviews
Rate History: 3.10% → 3.60% → 2.25% → 3.51%
Connexus Restrictions	3.51%	$5,000	-	Learn More Reviews (7)
Rate History: 3.91% → 4.01% → 3.91% → 3.51%
Southwest Heritage Restrictions	3.51%	$1,000	-	Learn More Reviews
Quorum Restrictions	3.50%	$1,000	-	Learn More Reviews (2)
Rate History: 4.50% → 60.00% → 3.50%
Sikorsky Financial Restrictions	3.50%	$500	-	Learn More Reviews
Vystar Restrictions	3.50% 3.40%	$50,000 $500	-	Learn More Reviews (2)
Rate History: 3.75% → 3.50%
Tyndall Restrictions	3.50%	$1,000	-	Learn More Reviews (5)
Gulf Winds Restrictions	3.50%	$500	-	Learn More Reviews
Town & Country Restrictions	3.50%	$500	-	Learn More Reviews (1)
Rate History: 3.56% → 3.50%
Capital Communications Restrictions	3.50%	$500	-	Learn More Reviews
Teachers Restrictions	3.50%	$1,000	-	Learn More Reviews
Greenwood Restrictions	3.50%	$1,000	-	Learn More Reviews (1)
State Employees' Restrictions	3.50%	$250	-	Learn More Reviews
University Restrictions	3.50%	$1,000	-	Learn More Reviews (1)
Broadview Restrictions	3.50%	$500	-	Learn More Reviews
Ukrainian National Restrictions	3.50%	$1,000	-	Learn More Reviews
Security First Restrictions	3.46% 3.30% 3.10% 2.94% 2.07%	$100,000 $50,000 $25,000 $1,000 $500	-	Learn More Reviews
Rate History: 3.61% → 3.46%
Redwood Restrictions	3.45%	$1,000	-	Learn More Reviews
Safe Restrictions	3.45% 3.40%	$25,000 $500	-	Learn More Reviews
121 Financial Restrictions	3.45%	$500	-	Learn More Reviews (1)
Usf Federal Credit Union Restrictions	3.45%	$500	-	Learn More Reviews
Rate History: 3.80% → 3.45%
Ridgedale Restrictions	3.45%	$500	-	Learn More Reviews
Rate History: 2.58% → 3.45%
Truliant Restrictions	3.45% 3.40% 3.35% 3.29%	$100,000 $25,000 $5,000 $250	-	Learn More Reviews
Rate History: 3.20% → 3.18% → 3.34% → 3.45%
Palmetto Citizens Restrictions	3.44% 3.39% 3.34%	$250,000 $100,000 $500	-	Learn More Reviews
Ent Restrictions	3.43%	$500	-	Learn More Reviews
Rate History: 3.38% → 3.43% → 3.57% → 3.43%
Shell Restrictions	3.40% 3.25%	$50,000 $500	-	Learn More Reviews (1)
Rate History: 3.65% → 3.40%
Transportation Restrictions	3.40%	$1,000	-	Learn More Reviews (1)
US Alliance Restrictions	3.40%	$500	-	Learn More Reviews
Credit Union Of Southern California Restrictions	3.40%	$1,000	-	Learn More Reviews
Rate History: 3.25% → 3.40%
Achieva Credit Union Restrictions	3.40%	$500	-	Learn More Reviews
Rate History: 3.30% → 3.50% → 3.30% → 3.40%
Financial Partners Restrictions	3.40% 3.25%	$100,000 $1,000	-	Learn More Reviews
Access Restrictions	3.40%	$1,000	-	Learn More Reviews
Rate History: 3.40% → 3.30% → 3.40%
Texas Trust Restrictions	3.40%	$500	-	Learn More Reviews
Unify Financial Restrictions	3.40% 3.25% 3.10%	$100,000 $40,000 $1,000	-	Learn More Reviews (1)
Hiway	3.39% 3.25% 3.15%	$25,000 $10,000 $500	-	Learn More Reviews
Bayer Heritage Restrictions	3.36% 3.30%	$100,000 $100	-	Learn More Reviews
Educational Restrictions	3.35% 3.30%	$100,000 $1,000	-	Learn More Reviews
Mass Bay Restrictions	3.35%	$500	-	Learn More Reviews (1)
Fort Liberty Restrictions	3.35% 3.25%	$25,000 $500	-	Learn More Reviews
Magnifi Financial Restrictions	3.35% 3.25% 3.20% 3.15% 3.10%	$150,000 $100,000 $50,000 $25,000 $500	-	Learn More Reviews
First Flight Restrictions	3.30% 3.20%	$10,000 $500	-	Learn More Reviews
American Airlines Restrictions	3.30%	$25	-	Learn More Reviews (1)
Gte Restrictions	3.30% 3.04%	$100,000 $500	-	Learn More Reviews (1)
Rate History: 3.30% → 3.31% → 3.30%
Global Restrictions	3.30% 3.15% 3.00%	$250,000 $100,000 $10,000	-	Learn More Reviews
California Restrictions	3.25%	$1,000	-	Learn More Reviews
Bank Fund Staff Restrictions	3.25%	$1,000	-	Learn More Reviews (1)
Credit Union West Restrictions	3.25%	$500	-	Learn More Reviews
Community Credit Union Of Florida Restrictions	3.25%	$1,000	-	Learn More Reviews
Rate History: 3.60% → 3.25%
Midflorida Restrictions	3.25%	$1,000	-	Learn More Reviews (1)
Rate History: 2.50% → 2.75% → 3.25%
Nuvision Restrictions	3.25% 3.20% 3.15% 3.10%	$100,000 $50,000 $25,000 $1,000	-	Learn More Reviews
Insight Restrictions	3.25% 3.20%	$1,000,000 $1,000	-	Learn More Reviews
Hudson Valley	3.25%	$500	-	Learn More Reviews
Trustone Financial	3.25%	$500	-	Learn More Reviews
Corning Restrictions	3.20% 3.00%	$100,000 $1,000	-	Learn More Reviews
Mccoy Restrictions	3.20% 3.09% 2.99% 2.89%	$100,000 $50,000 $5,000 $1,000	-	Learn More Reviews
Westerra Restrictions	3.15% 2.90%	$100,000 $500	-	Learn More Reviews
Florida Restrictions	3.15%	$1,000	-	Learn More Reviews
Empower Restrictions	3.15%	$500	-	Learn More Reviews
Farmers Insurance Group Restrictions	3.15%	$100,000	-	Learn More Reviews
First Technology Restrictions	3.10%	$500	-	Learn More Reviews
Rate History: 3.55% → 3.10%
Premier Members Restrictions	3.10% 3.00%	$100,000 $500	-	Learn More Reviews (1)
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)
Suffolk Restrictions	3.10%	$500	-	Learn More Reviews
Rate History: 3.35% → 3.10%
Pen Air	3.05%	$500	-	Learn More Reviews
Rate History: 2.85% → 3.05%
U.s. Eagle Restrictions	3.05%	$1,000	-	Learn More Reviews
Greater Springfield Restrictions	3.04%	$1,000	-	Learn More Reviews
Rate History: 2.73% → 3.04%
Patelco Restrictions	3.00%	$250	-	Learn More Reviews (2)
Mutual Savings Restrictions	3.00%	$100	-	Learn More Reviews
Premier America Restrictions	3.00%	$1,000	-	Learn More Reviews
Rate History: 1.70% → 1.55% → 3.00%
Partner Colorado Restrictions	3.00%	$500	-	Learn More Reviews
Blue Restrictions	3.00%	$1,000	-	Learn More Reviews
Rate History: 1.19% → 3.00%
Metro Restrictions	3.00%	$0	-	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
Elements Financial Restrictions	3.00%	$1,000	-	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
Mid-hudson Valley Restrictions	3.00%	$500	-	Learn More Reviews (1)
Bethpage Restrictions	3.00%	$50	-	Learn More Reviews (1)
Rate History: 4.00% → 3.00%
Community First Restrictions	3.00%	$1,000	-	Learn More Reviews
Members Choice Restrictions	3.00%	$500	-	Learn More Reviews
Rate History: 2.50% → 3.00%
Gesa Restrictions	3.00% 2.60%	$50,000 $500	-	Learn More Reviews (2)
Rate History: 2.80% → 3.00%
Farmers Insurance Group Restrictions	3.00%	$1,000	-	Learn More Reviews
Canvas Restrictions	2.95%	$1,000	-	Learn More Reviews
Rate History: 3.45% → 0.50% → 3.45% → 2.90% → 2.95%
Listerhill Restrictions	2.95%	$500	-	Learn More Reviews
Rate History: 2.98% → 2.95%
Pennsylvania State Employees Restrictions	2.95%	$500	-	Learn More Reviews
Superior Choice Restrictions	2.89% 2.78%	$100,000 $500	-	Learn More Reviews (1)
Rate History: 3.14% → 2.89% → 3.14% → 2.89%
United Restrictions	2.85%	$500	-	Learn More Reviews
Pen Air Restrictions	2.85%	$500	-	Learn More Reviews (1)
Align Restrictions	2.85%	$500	-	Learn More Reviews
Rate History: 2.85% → 3.85% → 2.85%
Everwise Restrictions	2.84%	$500	-	Learn More Reviews
Rev Restrictions	2.80%	$250	-	Learn More Reviews
Rate History: 2.80% → 2.30% → 2.80%
Summit Restrictions	2.80%	$500	-	Learn More Reviews
Rate History: 1.40% → 2.80%
Expedition Restrictions	2.78%	$500	-	Learn More Reviews
Loco Restrictions	2.75%	$500	-	Learn More Reviews
Jovia Financial Restrictions	2.75%	$100	-	Learn More Reviews (2)
United Nations Restrictions	2.75%	$500	-	Learn More Reviews
Wings Financial Restrictions	2.73% 2.68% 2.63% 2.58%	$250,000 $100,000 $10,000 $500	-	Learn More Reviews
Rate History: 2.73% → 2.53% → 2.73%
Valley Restrictions	2.70%	$500	-	Learn More Reviews
Americu Restrictions	2.69%	$500	-	Learn More Reviews
OHIO CATHOLIC FCU Restrictions	2.65%	$500	-	Learn More Reviews
Rate History: 2.75% → 2.65%
Park Community Credit Union, Inc. Restrictions	2.65% 2.60%	$50,000 $500	-	Learn More Reviews
Addition Financial	2.63%	$1,000	-	Learn More Reviews
Rate History: 3.50% → 3.40% → 3.30% → 3.25% → 2.63%
Connex Restrictions	2.60%	$500	-	Learn More Reviews
Royal Restrictions	2.60%	$0	-	Learn More Reviews
True Sky	2.58%	$500	-	Learn More Reviews
Boeing Employees Restrictions	2.58% 2.53%	$50,000 $500	-	Learn More Reviews
Provident Restrictions	2.56%	$1,000	-	Learn More Reviews
University Of Wisconsin Restrictions	2.55% 2.50% 2.45%	$250,000 $10,000 $500	-	Learn More Reviews
Texas Dow Employees Restrictions	2.55% 2.40%	$100,000 $1,000	-	Learn More Reviews (1)
Inroads Restrictions	2.53% 1.76%	$50,000 $25,000	-	Learn More Reviews
Three Rivers Restrictions	2.50%	$1,000	-	Learn More Reviews
Heritage Restrictions	2.50%	$500	-	Learn More Reviews
Service Restrictions	2.50%	$500	-	Learn More Reviews
Rate History: 3.35% → 2.50%
Affinity Plus Restrictions	2.50%	$500	-	Learn More Reviews (1)
Affinity Restrictions	2.50%	$500	-	Learn More Reviews
Service	2.50%	$500	-	Learn More Reviews
Travis Restrictions	2.45% 2.10%	$500 $50,000	-	Learn More Reviews
Rate History: 2.45% → 2.10% → 2.45%
The Summit Restrictions	2.32%	$500	-	Learn More Reviews (1)
Rate History: 2.75% → 2.96% → 2.71% → 2.47% → 2.32%
Town And Country	2.28% 2.02%	$10,000 $1,000	-	Learn More Reviews
Complex Community Restrictions	2.27%	$0	-	Learn More Reviews
New England Restrictions	2.27%	$500	-	Learn More Reviews
Kinecta Restrictions	2.25% 2.00%	$100,000 $100	-	Learn More Reviews (2)
Southwest 66 Restrictions	2.25%	$1,000	-	Learn More Reviews
Dfcu Financial Restrictions	2.20% 2.00% 1.75%	$100,000 $25,000 $1,000	-	Learn More Reviews (1)
Chartway Restrictions	2.15%	$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: 3.90% → 2.10%
Elevations Restrictions	2.10% 2.00%	$100,000 $500	-	Learn More Reviews
Mission Restrictions	2.05% 2.00% 1.95%	$100,000 $10,000 $2,000	-	Learn More Reviews
East Idaho Restrictions	2.02%	$500	-	Learn More Reviews
Saint Lawrence Restrictions	2.02% 1.92% 1.82%	$25,000 $200,000 $0	-	Learn More Reviews
Securityplus Restrictions	2.01%	$1,000	-	Learn More Reviews
We Florida Financial Restrictions	2.01%	$500	-	Learn More Reviews (1)
Dover Restrictions	2.00%	$500	-	Learn More Reviews
Baxter Restrictions	2.00%	$500	-	Learn More Reviews
Rate History: 2.30% → 2.20% → 2.00%
Blupeak Restrictions	2.00%	$1,000	-	Learn More Reviews
Rate History: 2.45% → 2.00%
Fairwinds Restrictions	2.00%	$1,000	-	Learn More Reviews
Department Of Public Safety Restrictions	2.00% 1.95% 1.90% 1.85%	$80,000 $25,000 $10,000 $500	-	Learn More Reviews
Members 1st Restrictions	1.95% 1.85% 1.70% 1.60% 1.55% 1.50%	$1,000,000 $100,000 $75,000 $50,000 $10,000 $500	-	Learn More Reviews
Great Lakes Restrictions	1.95% 1.65%	$100,000 $1,000	-	Learn More Reviews
State Employees Cu Of Maryland, Inc Restrictions	1.80%	$500	-	Learn More Reviews
Lincoln County Restrictions	1.80%	$1,000	-	Learn More Reviews
Gsa Restrictions	1.76%	$10,000	-	Learn More Reviews
Education 1st Restrictions	1.76%	$500	-	Learn More Reviews
Hanscom Restrictions	1.75%	$1,000	-	Learn More Reviews
Riverways Restrictions	1.75%	$250	-	Learn More Reviews
Jersey Central Restrictions	1.71%	$500	-	Learn More Reviews
Columbia Community Restrictions	1.70% 1.55%	$100,000 $0	-	Learn More Reviews
Via Credit Union Restrictions	1.66%	$10,000	-	Learn More Reviews (1)
Wildfire Restrictions	1.65%	$100,000	-	Learn More Reviews
Zeal Restrictions	1.65%	$100,000	-	Learn More Reviews
Alabama Rural Electric Restrictions	1.61%	$10,000	-	Learn More Reviews
Coca-cola Restrictions	1.61%	$500	-	Learn More Reviews
Alabama One Restrictions	1.61%	$10,000	-	Learn More Reviews
Boston Firefighters Restrictions	1.61%	$1,000	-	Learn More Reviews
Bossier Restrictions	1.61%	$10,000	-	Learn More Reviews
Louisiana Restrictions	1.61%	$10,000	-	Learn More Reviews (1)
West Michigan Restrictions	1.61%	$100,000	-	Learn More Reviews
Country Heritage	1.61%	$10,000	-	Learn More Reviews
Port Arthur Community Restrictions	1.60%	$10,000	-	Learn More Reviews
Sandia Laboratory Restrictions	1.56%	$100,000	-	Learn More Reviews
White Sands Restrictions	1.56%	$100,000	-	Learn More Reviews
Texans Restrictions	1.56%	$10,000	-	Learn More Reviews
Dch Restrictions	1.55%	$10,000	-	Learn More Reviews
Carter Restrictions	1.55%	$10,000	-	Learn More Reviews
Tucson Restrictions	1.55%	$10,000	-	Learn More Reviews
City Of Boston Restrictions	1.55%	$50,000	-	Learn More Reviews
Maine State Restrictions	1.55%	$10,000	-	Learn More Reviews (1)
Zeal Restrictions	1.55%	$10,000	-	Learn More Reviews
Great Basin Restrictions	1.55%	$100,000	-	Learn More Reviews
Spco Restrictions	1.55%	$50,000	-	Learn More Reviews
Kelly Community Restrictions	1.51%	$10,000	-	Learn More Reviews
Jefferson Financial Restrictions	1.51%	$100,000	-	Learn More Reviews (1)
Lewis Clark Restrictions	1.51%	$10,000	-	Learn More Reviews
Alabama Teachers Restrictions	1.51%	$10,000	-	Learn More Reviews
Long Reach Restrictions	1.51%	$500	-	Learn More Reviews
Alps Restrictions	1.51%	$10,000	-	Learn More Reviews
Matanuska Valley Restrictions	1.51%	$10,000	-	Learn More Reviews
Union Square Restrictions	1.51%	$1,000	-	Learn More Reviews
Eagle One Restrictions	1.51%	$10,000	-	Learn More Reviews
Encompass Restrictions	1.51%	$10,000	-	Learn More Reviews
Energy Plus Restrictions	1.51%	$10,000	-	Learn More Reviews
Riverside Community Restrictions	1.51%	$10,000	-	Learn More Reviews
Members Choice Restrictions	1.51%	$10,000	-	Learn More Reviews
Somerset Restrictions	1.51%	$10,000	-	Learn More Reviews
Act 1st Restrictions	1.51%	$100,000	-	Learn More Reviews
Wepco Restrictions	1.51%	$10,000	-	Learn More Reviews
K V Restrictions	1.51%	$10,000	-	Learn More Reviews
Jolt	1.51%	$10,000	-	Learn More Reviews
Our Restrictions	1.51%	$10,000	-	Learn More Reviews
Kellogg Midwest Restrictions	1.51%	$10,000	-	Learn More Reviews
First Heritage Restrictions	1.51%	$10,000	-	Learn More Reviews
Ohio Valley Community Restrictions	1.51%	$10,000	-	Learn More Reviews
Caprock Restrictions	1.51%	$100,000	-	Learn More Reviews
El Paso Area Teachers Restrictions	1.51%	$100,000	-	Learn More Reviews
Romney	1.51%	$10,000	-	Learn More Reviews
First Education Restrictions	1.51%	$10,000	-	Learn More Reviews
Northwoods Restrictions	1.51%	$100,000	-	Learn More Reviews
Cdc Restrictions	1.50%	$10,000	-	Learn More Reviews
Blue Eagle Restrictions	1.50%	$10,000	-	Learn More Reviews
Envista Restrictions	1.50%	$500	-	Learn More Reviews
Healthcare Associates Restrictions	1.50%	$100,000	-	Learn More Reviews
Coosa Pines Restrictions	1.50%	$10,000	-	Learn More Reviews
Wymar Restrictions	1.50%	$75,000	-	Learn More Reviews
Financial Health Restrictions	1.50%	$10,000	-	Learn More Reviews
Mid-kansas Restrictions	1.50%	$10,000	-	Learn More Reviews
Keesler Restrictions	1.50%	$1,000	-	Learn More Reviews
Freedom Restrictions	1.50%	$10,000	-	Learn More Reviews
Southcoast Restrictions	1.50%	$10,000	-	Learn More Reviews (2)
Safe Harbor Restrictions	1.50%	$100,000	-	Learn More Reviews
Team One Restrictions	1.50%	$10,000	-	Learn More Reviews
Community West Restrictions	1.50%	$10,000	-	Learn More Reviews
Rivertown Community Restrictions	1.50%	$10,000	-	Learn More Reviews
Elga Restrictions	1.50%	$100,000	-	Learn More Reviews
Health Advantage Restrictions	1.50%	$10,000	-	Learn More Reviews
Dort Financial	1.50%	$100,000	-	Learn More Reviews
Christian Financial Restrictions	1.50%	$10,000	-	Learn More Reviews
Members Cooperative Restrictions	1.50%	$100,000	-	Learn More Reviews
North Shore Restrictions	1.50%	$10,000	-	Learn More Reviews
Northern Communities Restrictions	1.50%	$10,000	-	Learn More Reviews
Ferguson Restrictions	1.50%	$10,000	-	Learn More Reviews
Aspire Community Restrictions	1.50%	$10,000	-	Learn More Reviews
Members Choice Financial Restrictions	1.50%	$100,000	-	Learn More Reviews
Lanco Restrictions	1.50%	$10,000	-	Learn More Reviews
Texas Tech Restrictions	1.50%	$10,000	-	Learn More Reviews
Neighborhood Restrictions	1.50%	$2,500	-	Learn More Reviews
San Patricio County Teachers Restrictions	1.50%	$10,000	-	Learn More Reviews
Northern Star Credit Union, Inc. Restrictions	1.50%	$10,000	-	Learn More Reviews
Midwest Community Restrictions	1.46%	$100,000	-	Learn More Reviews
Filer Restrictions	1.46%	$100,000	-	Learn More Reviews
White Sands Restrictions	1.46%	$10,000	-	Learn More Reviews
Clark County Restrictions	1.46%	$10,000	-	Learn More Reviews
Quest Restrictions	1.46%	$100,000	-	Learn More Reviews
Houston Texas Fire Fighters Restrictions	1.46%	$100,000	-	Learn More Reviews
City Of Boston Restrictions	1.45%	$500	-	Learn More Reviews
First Imperial Restrictions	1.45%	$100,000	-	Learn More Reviews
East County Schools Restrictions	1.45%	$10,000	-	Learn More Reviews
First U.s. Community Restrictions	1.45%	$100,000	-	Learn More Reviews
Aaa Restrictions	1.45%	$10,000	-	Learn More Reviews
Kansas State University Restrictions	1.45%	$500	-	Learn More Reviews
Barksdale Restrictions	1.45%	$10,000	-	Learn More Reviews (2)
Navigator Cu Restrictions	1.45%	$100,000	-	Learn More Reviews
Cleveland Police Restrictions	1.45%	$10,000	-	Learn More Reviews (1)
Clackamas Community Restrictions	1.45%	$10,000	-	Learn More Reviews
Chemcel Restrictions	1.45%	$100,000	-	Learn More Reviews
Firstlight Restrictions	1.45%	$100,000	-	Learn More Reviews
Texell Restrictions	1.45%	$10,000	-	Learn More Reviews
Spco Restrictions	1.45%	$1,000	-	Learn More Reviews
Bronco Restrictions	1.45%	$10,000	-	Learn More Reviews
Trona Valley Community Restrictions	1.45%	$10,000	-	Learn More Reviews
Clearpath Restrictions	1.41%	$100,000	-	Learn More Reviews
Sacramento Restrictions	1.41%	$100,000	-	Learn More Reviews
Jacksonville Firemen's Restrictions	1.41%	$10,000	-	Learn More Reviews
Jefferson Financial Restrictions	1.41%	$10,000	-	Learn More Reviews (1)
Wichita Falls Teachers Restrictions	1.41%	$1,000	-	Learn More Reviews
4front Restrictions	1.41%	$100,000	-	Learn More Reviews
Spirit Of Alaska Restrictions	1.41%	$10,000	-	Learn More Reviews
Credit Union 1 Restrictions	1.41%	$100,000	-	Learn More Reviews
Act 1st Restrictions	1.41%	$10,000	-	Learn More Reviews
Cumberland County Restrictions	1.41%	$100,000	-	Learn More Reviews (2)
Changing Seasons	1.41%	$10,000	-	Learn More Reviews
Brewer Restrictions	1.41%	$10,000	-	Learn More Reviews
Circle Restrictions	1.41%	$10,000	-	Learn More Reviews
Health Care Family Restrictions	1.41%	$100,000	-	Learn More Reviews (1)
Assemblies Of God Restrictions	1.41%	$10,000	-	Learn More Reviews
Hometown Restrictions	1.41%	$10,000	-	Learn More Reviews
Rio Grande Restrictions	1.41%	$100,000	-	Learn More Reviews (1)
Old West Restrictions	1.41%	$10,000	-	Learn More Reviews
Sru Restrictions	1.41%	$10,000	-	Learn More Reviews
Fort Worth Community Restrictions	1.41%	$100,000	-	Learn More Reviews
El Paso Area Teachers Restrictions	1.41%	$10,000	-	Learn More Reviews
Genco Restrictions	1.41%	$10,000	-	Learn More Reviews
Dugood Restrictions	1.41%	$1,000	-	Learn More Reviews
Mct Restrictions	1.41%	$10,000	-	Learn More Reviews
Partners Financial Restrictions	1.41%	$10,000	-	Learn More Reviews
Northwoods Restrictions	1.41%	$10,000	-	Learn More Reviews
Tomah Area Restrictions	1.41%	$100	-	Learn More Reviews
First Imperial Restrictions	1.40%	$10,000	-	Learn More Reviews
California Coast Restrictions	1.40%	$100,000	-	Learn More Reviews
Healthcare Associates Restrictions	1.40%	$10,000	-	Learn More Reviews
Aurora Schools Restrictions	1.40%	$100,000	-	Learn More Reviews
Credit Union Of Atlanta Restrictions	1.40%	$10,000	-	Learn More Reviews
Kirtland Restrictions	1.40%	$100,000	-	Learn More Reviews
Membersfirst Restrictions	1.40%	$10,000	-	Learn More Reviews
Community Resource Restrictions	1.40%	$100	-	Learn More Reviews
Texas Telcom Restrictions	1.40%	$10,000	-	Learn More Reviews
Sm Restrictions	1.40%	$10,000	-	Learn More Reviews
Wichita Restrictions	1.40%	$10,000	-	Learn More Reviews
Commonwealth Restrictions	1.40%	$10,000	-	Learn More Reviews
Cove Restrictions	1.40%	$10,000	-	Learn More Reviews (1)
Ashland Restrictions	1.40%	$100,000	-	Learn More Reviews
Onpath Restrictions	1.40%	$10,000	-	Learn More Reviews (1)

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.