Credit Union CD Rates – 6-Month – Bullhead City, Arizona 2024

Below are the best six month CD Rates from credit unions in Bullhead City, Arizona. Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

Bullhead City, AZ - April 18, 2024

6 Month CD National Average : 0.40% ^?

Credit Unions	APY	MIN	MILES ^?
Inroads Restrictions	8.25% 1.26%	$25,000 $50,000	-	Learn More Reviews
Rate History: 0.75% → 8.25%
Credit Union One Of Oklahoma Restrictions	6.17%	$2,500	-	Learn More Reviews
Complex Community Restrictions	6.00% 4.91%	$500 $0	-	Learn More Reviews
Andrews Federal Credit Union Restrictions	5.75% 3.35%	$1,000 $10,000	-	Learn More Reviews
Rate History: 3.30% → 5.75%
Direct Restrictions	5.55% 5.50%	$100,000 $250	-	Learn More Reviews
Coastal Restrictions	5.50%	$250	-	Learn More Reviews
Metro Restrictions	5.40%	$0	-	Learn More Reviews
Wings Financial Restrictions	5.35% 1.15% 1.11%	$500 $10,000 $250,000	-	Learn More Reviews
Minnequa Works	5.30%	$500	-	Learn More Reviews
Rate History: 6.14% → 5.30%
Communitywide Restrictions	5.30%	$1,000	-	Learn More Reviews
Rate History: 5.00% → 5.25% → 5.50% → 5.30%
Wright-patt Credit Union, Inc. Restrictions	5.27% 5.17%	$100,000 $500	-	Learn More Reviews
First Commerce Restrictions	5.25%	$1,000	-	Learn More Reviews
Rate History: 1.50% → 5.25%
Mountain America Restrictions	5.25%	$500	-	Learn More Reviews
Rate History: 5.50% → 5.25%
American Eagle Financial Restrictions	5.25%	$500	-	Learn More Reviews
Wescom Central Restrictions	5.25%	$500	-	Learn More Reviews
Rate History: 4.00% → 3.50% → 4.25% → 3.50% → 5.25%
Credit Union Of Texas Restrictions	5.25% 5.01%	$1,000 $100,000	-	Learn More Reviews
Rate History: 5.50% → 5.25%
Superior Choice Restrictions	5.25%	$500	-	Learn More Reviews (1)
Rate History: 0.50% → 5.50% → 5.25%
Blucurrent Restrictions	5.25%	$1,000	-	Learn More Reviews
Rate History: 5.10% → 5.15% → 4.60% → 5.50% → 5.25%
Truliant Restrictions	5.25% 1.21% 1.16% 1.11%	$250 $100,000 $25,000 $5,000	-	Learn More Reviews
Eecu Restrictions	5.25% 4.75%	$50,000 $1,000	-	Learn More Reviews
Rate History: 5.11% → 5.25%
Credit Human Restrictions	5.25%	$500	-	Learn More Reviews (1)
Rate History: 5.75% → 5.45% → 5.35% → 5.25%
America First Restrictions	5.25%	$500	-	Learn More Reviews (4)
Rate History: 5.30% → 5.25%
Dow Restrictions	5.21%	$500	-	Learn More Reviews
Rate History: 5.46% → 5.21%
Tropical Financial Restrictions	5.20%	$500	-	Learn More Reviews
Rate History: 4.40% → 5.20%
Veridian Restrictions	5.20% 5.10%	$100,000 $1,000	-	Learn More Reviews
Rate History: 3.50% → 4.10%
Educational Restrictions	5.18% 5.13%	$100,000 $1,000	-	Learn More Reviews
Three Rivers Restrictions	5.15%	$500	-	Learn More Reviews
Service Restrictions	5.15%	$500	-	Learn More Reviews
Rate History: 3.00% → 5.15%
We Florida Financial Restrictions	5.15%	$500	-	Learn More Reviews (1)
Fort Liberty Restrictions	5.15%	$500	-	Learn More Reviews
Redstone Restrictions	5.12% 4.84%	$100,000 $1,000	-	Learn More Reviews (3)
Rate History: 4.44% → 4.70% → 5.12%
State Employees Cu Of Maryland, Inc Restrictions	5.10%	$500	-	Learn More Reviews
Rate History: 5.20% → 5.10%
Latino Community Restrictions	5.10% 5.00% 4.60%	$200,000 $100,000 $500	-	Learn More Reviews
Rate History: 4.90% → 5.85% → 5.50% → 5.10%
Skyla Restrictions	5.10% 4.85%	$50,000 $500	-	Learn More Reviews
Rate History: 5.10% → 5.35% → 5.10%
Tennessee Valley Restrictions	5.06%	$1,000	-	Learn More Reviews
Communityamerica Restrictions	5.05%	$500	-	Learn More Reviews
Rate History: 3.45% → 5.05%
Lake Michigan Restrictions	5.05%	$500	-	Learn More Reviews
Riverways Restrictions	5.03%	$250	-	Learn More Reviews
Rate History: 4.41% → 5.03%
Credit Union West Restrictions	5.00%	$500	-	Learn More Reviews
Rate History: 4.76% → 5.00%
Desert Financial	5.00%	$1,000	-	Learn More Reviews
Rate History: 4.50% → 5.00%
Pen Air	5.00%	$500	-	Learn More Reviews
Rate History: 1.60% → 5.36% → 5.00%
Colorado Restrictions	5.00% 4.90%	$100,000 $500	-	Learn More Reviews
Velocity Community Restrictions	5.00% 4.95%	$1,000 $250	-	Learn More Reviews
Rate History: 5.25% → 5.00%
Indiana University Restrictions	5.00%	$2,000	-	Learn More Reviews
Rate History: 1.75% → 5.00%
Jersey Central Restrictions	5.00%	$500	-	Learn More Reviews
Americu Restrictions	5.00%	$1,000	-	Learn More Reviews
Capital Communications Restrictions	5.00%	$500	-	Learn More Reviews
Rate History: 4.50% → 5.00%
Jovia Financial Restrictions	5.00%	$100	-	Learn More Reviews (2)
Teachers Restrictions	5.00%	$1,000	-	Learn More Reviews
Rate History: 4.50% → 5.00%
Cutting Edge Restrictions	5.00%	$500	-	Learn More Reviews
Rate History: 2.02% → 4.32% → 5.00%
Utah First Restrictions	5.00%	$2,000	-	Learn More Reviews
Rate History: 5.35% → 5.25% → 4.85% → 4.80% → 5.00%
Broadview Restrictions	5.00%	$500	-	Learn More Reviews
Rate History: 4.25% → 4.50% → 5.00%
Department of Commerce Restrictions	4.97%	$500	-	Learn More Reviews (2)
Rate History: 5.02% → 4.97%
Tinker Restrictions	4.96% 4.85% 4.75% 4.65% 4.49%	$99,000 $50,000 $25,000 $10,000 $1,000	-	Learn More Reviews
Credit Union Of Georgia Restrictions	4.95% 4.80%	$500 $100,000	-	Learn More Reviews
Rate History: 3.75% → 4.45% → 4.95%
Credit Union Of Colorado, A Restrictions	4.95% 4.85% 4.75% 4.65%	$100,000 $25,000 $10,000 $500	-	Learn More Reviews
Rate History: 3.30% → 4.95%
Nasa Restrictions	4.90%	$1,000	-	Learn More Reviews
Rate History: 4.50% → 4.70% → 4.50% → 4.40% → 4.90%
Harborstone Restrictions	4.90% 4.08%	$50,000 $500	-	Learn More Reviews
Rate History: 4.34% → 4.90%
Rally Restrictions	4.89%	$1,000	-	Learn More Reviews
Rate History: 5.12% → 4.89%
Pelican State Restrictions	4.86%	$500	-	Learn More Reviews (1)
Digital Restrictions	4.86% 4.60%	$25,000 $500	-	Learn More Reviews (2)
Rate History: 4.34% → 4.86%
Sooper Restrictions	4.85% 4.75%	$50,000 $500	-	Learn More Reviews
Rate History: 5.10% → 4.85%
Usf Federal Credit Union Restrictions	4.85%	$500	-	Learn More Reviews
Rate History: 3.00% → 4.00% → 4.85%
Citizens Equity First Restrictions	4.80% 4.75%	$100,000 $1,000	-	Learn More Reviews
Rate History: 2.25% → 4.45% → 4.55% → 4.80%
Idaho Central Restrictions	4.80%	$500	-	Learn More Reviews
Rate History: 4.75% → 5.05% → 4.95% → 4.90% → 4.80%
All In Restrictions	4.80% 4.75%	$100,000 $1,000	-	Learn More Reviews (1)
Rate History: 5.43% → 5.38% → 5.27% → 5.17% → 4.80%
Liberty Restrictions	4.80%	$1,000	-	Learn More Reviews
Rate History: 1.45% → 5.00% → 4.90% → 4.80%
Sandia Area Restrictions	4.75%	$500	-	Learn More Reviews
Rate History: 5.10% → 5.00% → 4.90% → 4.75%
Community First Restrictions	4.75%	$1,000	-	Learn More Reviews
Workers Restrictions	4.75%	$500	-	Learn More Reviews
Rate History: 3.75% → 4.25% → 3.75% → 5.25% → 4.75%
Blupeak Restrictions	4.75%	$1,000	-	Learn More Reviews
Launch Credit Union	4.75%	$1,000	-	Learn More Reviews
Rate History: 5.00% → 4.75%
Associated Credit Union Restrictions	4.75%	$200	-	Learn More Reviews
Bellco Restrictions	4.75%	$500	-	Learn More Reviews (3)
Rate History: 5.25% → 4.75% → 5.00% → 4.75%
Heritage Restrictions	4.75%	$2,500	-	Learn More Reviews
Rate History: 5.30% → 2.00% → 1.75% → 4.45% → 4.75%
Provident Restrictions	4.75%	$1,000	-	Learn More Reviews
Rate History: 4.50% → 4.75%
Affinity Plus Restrictions	4.75%	$500	-	Learn More Reviews (1)
Alliant Restrictions	4.75%	$1,000	-	Learn More Reviews (5)
Discovery Restrictions	4.75%	$100	-	Learn More Reviews
Rate History: 5.00% → 4.75%
Cbc Restrictions	4.75%	$500	-	Learn More Reviews
Denver Community Cu D.b.a. Zing Cu Restrictions	4.70%	$100	-	Learn More Reviews
Ent Restrictions	4.70%	$500	-	Learn More Reviews
Rate History: 5.00% → 5.20% → 4.33% → 4.70%
Georgia's Own Restrictions	4.67%	$500	-	Learn More Reviews
Rate History: 4.43% → 4.67%
Shell Restrictions	4.65% 4.50%	$50,000 $500	-	Learn More Reviews (1)
Rate History: 4.90% → 4.65%
Achieva Credit Union Restrictions	4.65% 4.50%	$75,000 $500	-	Learn More Reviews
Texas People Restrictions	4.65% 2.99%	$10,000 $1,000	-	Learn More Reviews
Greenwood Restrictions	4.64%	$1,000	-	Learn More Reviews (1)
Rate History: 5.25% → 5.00% → 464.00% → 4.64%
Wellby Restrictions	4.59%	$1,000	-	Learn More Reviews (1)
Weyco Community Restrictions	4.59%	$500	-	Learn More Reviews
Rate History: 4.70% → 4.90% → 5.00% → 5.12% → 4.59%
Saint Lawrence Restrictions	4.59% 1.00% 0.90% 0.85% 0.80%	$1,000 $75,000 $25,000 $200,000 $0	-	Learn More Reviews
Rate History: 3.82% → 4.59%
Dc Restrictions	4.58%	$1,000	-	Learn More Reviews
Trumark Financial Restrictions	4.55% 4.50%	$75,000 $500	-	Learn More Reviews
Air Force Restrictions	4.55%	$1,000	-	Learn More Reviews
Rate History: 4.25% → 5.15% → 4.85% → 4.60% → 4.55%
Radifi Restrictions	4.50%	$500	-	Learn More Reviews
Rate History: 5.00% → 4.50%
Community Credit Union Of Florida Restrictions	4.50%	$1,000	-	Learn More Reviews
Rate History: 1.30% → 2.50% → 1.30% → 4.50%
Hanscom Restrictions	4.50%	$1,000	-	Learn More Reviews
Dfcu Financial Restrictions	4.50% 4.35% 4.25%	$100,000 $25,000 $1,000	-	Learn More Reviews (1)
Garden Savings Restrictions	4.50%	$500	-	Learn More Reviews
Rate History: 2.25% → 3.50% → 4.50%
American Heritage Restrictions	4.50%	$1,000	-	Learn More Reviews (2)
Rate History: 4.50% → 5.00% → 4.90% → 4.50%
Pennsylvania State Employees Restrictions	4.50%	$500	-	Learn More Reviews
Rate History: 4.00% → 4.50%
First Source Restrictions	4.50%	$500	-	Learn More Reviews
Rate History: 1.50% → 4.50%
State Employees' Restrictions	4.50%	$250	-	Learn More Reviews
City Restrictions	4.50%	$1,000	-	Learn More Reviews
Texas Trust Restrictions	4.49% 4.44%	$50,000 $500	-	Learn More Reviews
Palmetto Citizens Restrictions	4.42% 4.37% 4.32%	$250,000 $100,000 $500	-	Learn More Reviews
Rate History: 2.12% → 4.10% → 4.20% → 4.42%
State Department Restrictions	4.40% 4.19%	$100,000 $500	-	Learn More Reviews
Air Academy Restrictions	4.40%	$500	-	Learn More Reviews
Michigan State University Restrictions	4.40% 4.15%	$100,000 $500	-	Learn More Reviews
Advancial Restrictions	4.39% 4.28% 4.18%	$50,000 $25,000 $1,000	-	Learn More Reviews
Rate History: 4.44% → 4.39%
U.s. Eagle Restrictions	4.35%	$1,000	-	Learn More Reviews
Rate History: 4.50% → 4.35%
Sun East Restrictions	4.35% 4.25%	$99,000 $500	-	Learn More Reviews (2)
Bayer Heritage Restrictions	4.34%	$100	-	Learn More Reviews
Rate History: 5.65% → 5.13% → 4.60% → 4.34%
Firefighters First Restrictions	4.33%	$1,000	-	Learn More Reviews
Inner Lakes Restrictions	4.33%	$500	-	Learn More Reviews
Ukrainian National Restrictions	4.32%	$1,000	-	Learn More Reviews
Rate History: 3.03% → 4.58% → 4.32%
Randolph-brooks Restrictions	4.26%	$1,000	-	Learn More Reviews
Rate History: 4.00% → 4.25% → 4.26%
The Summit Restrictions	4.26% 4.02%	$75,000 $500	-	Learn More Reviews (1)
Rate History: 4.75% → 4.16% → 3.92% → 4.16% → 4.26%
Agriculture Restrictions	4.25%	$250	-	Learn More Reviews
Redwood Restrictions	4.25%	$1,000	-	Learn More Reviews
Canvas Restrictions	4.25%	$1,000	-	Learn More Reviews
Rate History: 4.75% → 4.25% → 5.00% → 4.25%
First Technology Restrictions	4.25%	$500	-	Learn More Reviews
Rate History: 4.91% → 4.50% → 4.25%
US Alliance Restrictions	4.25%	$500	-	Learn More Reviews
Rate History: 1.00% → 5.75% → 4.25%
Schoolsfirst Restrictions	4.25% 4.20% 4.15% 4.10%	$100,000 $50,000 $20,000 $500	-	Learn More Reviews
Rate History: 3.95% → 4.10% → 4.35% → 4.25%
Premier America Restrictions	4.25% 4.16% 4.00%	$1,000 $10,000 $25,000	-	Learn More Reviews
Rate History: 2.50% → 4.00% → 4.25%
Suncoast Restrictions	4.25% 4.00%	$100,000 $500	-	Learn More Reviews (1)
Rate History: 3.05% → 4.25%
General Electric Restrictions	4.25%	$0	-	Learn More Reviews
Travis Restrictions	4.25%	$500	-	Learn More Reviews
Rate History: 0.90% → 2.10% → 0.90% → 4.50% → 4.25%
Chevron Restrictions	4.25%	$500	-	Learn More Reviews
First Community Restrictions	4.25% 4.15%	$100,000 $500	-	Learn More Reviews
Oklahoma Restrictions	4.25% 4.00% 3.75% 3.50%	$95,000 $50,000 $15,000 $1,000	-	Learn More Reviews
Spectrum	4.25%	$500	-	Learn More Reviews
Library Of Congress Restrictions	4.22%	$500	-	Learn More Reviews
Rate History: 4.47% → 4.22%
Trax Restrictions	4.20% 4.00%	$100,000 $500	-	Learn More Reviews
Rate History: 3.20% → 4.20%
Community First Restrictions	4.20%	$2,500	-	Learn More Reviews (1)
Rate History: 3.25% → 4.20%
Grow Financial Restrictions	4.18% 4.07%	$100,000 $500	-	Learn More Reviews (1)
Rate History: 3.14% → 3.66% → 4.18%
United States Senate Restrictions	4.18% 3.92% 3.87%	$200,000 $1,000 $100,000	-	Learn More Reviews
Rate History: 3.41% → 4.60% → 4.70% → 4.71% → 4.18%
Radiant	4.13% 4.08%	$50,000 $10,000	-	Learn More Reviews
Commonwealth One Restrictions	4.11%	$500	-	Learn More Reviews
Rate History: 2.26% → 6.09% → 2.26% → 4.11%
Global Restrictions	4.10%	$10,000	-	Learn More Reviews
Rate History: 2.57% → 2.86% → 5.00% → 4.45% → 4.10%
Hiway	4.10% 4.00% 3.90%	$25,000 $10,000 $500	-	Learn More Reviews
On Tap Restrictions	4.10% 4.00%	$100,000 $500	-	Learn More Reviews
Partners Restrictions	4.10%	$1,000	-	Learn More Reviews
Interior Federal Credit Union	4.07%	$500	-	Learn More Reviews
Rate History: 5.22% → 4.33% → 4.07%
A+ Restrictions	4.07%	$1,000	-	Learn More Reviews (1)
Community South Restrictions	4.06%	$500	-	Learn More Reviews
Rate History: 0.70% → 4.06%
Citadel Restrictions	4.05% 4.00%	$75,000 $500	-	Learn More Reviews
Transportation Restrictions	4.04%	$250	-	Learn More Reviews (1)
Mission Restrictions	4.00%	$2,000	-	Learn More Reviews
Inova Restrictions	4.00%	$200	-	Learn More Reviews
Rate History: 0.05% → 4.00%
Bank Fund Staff Restrictions	4.00% 3.00%	$100,000 $1,000	-	Learn More Reviews (1)
Rate History: 3.05% → 4.00%
Town And Country Restrictions	4.00%	$500	-	Learn More Reviews
Pittsford Restrictions	4.00%	$50	-	Learn More Reviews
Rate History: 5.25% → 5.15% → 5.00% → 4.20% → 4.00%
Access 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: 4.75% → 4.00%
Suffolk Restrictions	4.00%	$500	-	Learn More Reviews
Rate History: 3.00% → 4.00%
United Nations Restrictions	4.00%	$500	-	Learn More Reviews
Police & Fire Restrictions	4.00%	$1,000	-	Learn More Reviews (1)
Rate History: 3.60% → 3.75% → 4.00%
Spirit Financial Restrictions	4.00%	$500	-	Learn More Reviews
University Restrictions	4.00%	$1,000	-	Learn More Reviews (1)
Rate History: 3.50% → 4.50% → 4.00%
Neches Restrictions	4.00%	$1,000	-	Learn More Reviews
Rate History: 3.75% → 4.00%
Delta Community Restrictions	4.00%	$1,000	-	Learn More Reviews
Rate History: 3.75% → 4.00%
Northrop Grumman Restrictions	3.86% 3.76%	$40,000 $2,500	-	Learn More Reviews
Rate History: 3.91% → 3.97% → 4.02% → 3.83% → 3.86%
First United Restrictions	3.85% 3.75%	$50,000 $500	-	Learn More Reviews
Austin Telco Restrictions	3.75% 3.65% 3.55%	$225,000 $95,000 $1,000	-	Learn More Reviews (1)
Rate History: 4.01% → 3.80% → 3.75%
Pima Restrictions	3.75%	$250	-	Learn More Reviews
Mtc Restrictions	3.75% 3.55%	$10,000 $250	-	Learn More Reviews
Florida Restrictions	3.75%	$1,000	-	Learn More Reviews
Vystar Restrictions	3.75% 3.65%	$50,000 $500	-	Learn More Reviews (2)
Ttcu Restrictions	3.75% 3.50% 3.25%	$200,000 $50,000 $1,000	-	Learn More Reviews
Star One Restrictions	3.65%	$2,500	-	Learn More Reviews (1)
Rate History: 3.25% → 3.65%
Premier Members Restrictions	3.60% 3.50%	$100,000 $500	-	Learn More Reviews (1)
Rate History: 2.60% → 3.60%
Insight Restrictions	3.60% 3.50%	$1,000,000 $1,000	-	Learn More Reviews
Addition Financial	3.56%	$1,000	-	Learn More Reviews
Rate History: 5.01% → 4.33% → 4.23% → 4.07% → 3.56%
Envision Restrictions	3.56%	$1,000	-	Learn More Reviews
Rate History: 2.60% → 2.63% → 3.56%
Mohawk Valley Restrictions	3.56%	$1,000	-	Learn More Reviews
Rate History: 3.09% → 3.56%
Allegacy Restrictions	3.55%	$500	-	Learn More Reviews
Rate History: 4.00% → 4.75% → 2.85% → 3.55%
California Restrictions	3.50%	$1,000	-	Learn More Reviews
Spokane Teachers Restrictions	3.50%	$2,000	-	Learn More Reviews (1)
Rate History: 0.25% → 3.50%
Unify Financial Restrictions	3.50%	$1,000	-	Learn More Reviews (1)
Brightstar Restrictions	3.50%	$500	-	Learn More Reviews (1)
Dover Restrictions	3.50%	$500	-	Learn More Reviews
La Capitol Restrictions	3.50%	$2,500	-	Learn More Reviews (1)
St. Paul Restrictions	3.50%	$500	-	Learn More Reviews
Rate History: 1.75% → 3.50%
Champion Restrictions	3.50%	$1,000	-	Learn More Reviews
L.a. Healthcare	3.50% 3.00%	$5,000 $1,000	-	Learn More Reviews
Magnifi Financial Restrictions	3.50% 3.40% 3.35% 3.30% 3.25%	$150,000 $100,000 $50,000 $25,000 $500	-	Learn More Reviews
G.p.o. Restrictions	3.50%	$1,000	-	Learn More Reviews
Rate History: 3.30% → 3.50%
Velocity Restrictions	3.50% 3.45%	$1,000 $90,000	-	Learn More Reviews
Rate History: 2.27% → 3.00% → 3.50%
Genisys Restrictions	3.48% 3.43%	$100,000 $500	-	Learn More Reviews
Rate History: 3.71% → 3.48% → 3.48%
Hughes Restrictions	3.41% 3.35% 3.30% 2.02%	$99,999 $50,000 $1,000 $100	-	Learn More Reviews
Gecu	3.38%	$2,500	-	Learn More Reviews
Farmers Insurance Group Restrictions	3.30%	$1,000	-	Learn More Reviews
Corporate America Family Restrictions	3.30% 3.25%	$10,000 $1,000	-	Learn More Reviews
Suma Yonkers Restrictions	3.30%	$1,000	-	Learn More Reviews
Gardiner Restrictions	3.30%	$500	-	Learn More Reviews
Rate History: 2.84% → 3.30%
Boeing Employees Restrictions	3.25%	$500	-	Learn More Reviews
Rate History: 4.07% → 5.75% → 4.07% → 3.25%
Kinecta Restrictions	3.25% 3.00%	$100,000 $100	-	Learn More Reviews (2)
Central Credit Union Of Florida Restrictions	3.25%	$250	-	Learn More Reviews
Rate History: 1.75% → 1.75% → 3.25%
Align Restrictions	3.25%	$500	-	Learn More Reviews
Signature Restrictions	3.25%	$500	-	Learn More Reviews
Rate History: 3.90% → 4.25% → 5.50% → 4.85% → 3.25%
Corning Restrictions	3.20% 3.00%	$100,000 $1,000	-	Learn More Reviews
Eastman Restrictions	3.20% 3.15%	$100,000 $2,500	-	Learn More Reviews
The Golden 1 Restrictions	3.15% 3.05%	$100,000 $500	-	Learn More Reviews
Visions Restrictions	3.15%	$500	-	Learn More Reviews
Educational Employees Restrictions	3.14% 3.09% 3.04% 2.99%	$100,000 $50,000 $10,000 $500	-	Learn More Reviews
Ridgedale Restrictions	3.14%	$500	-	Learn More Reviews
Rate History: 1.76% → 3.14%
Space Coast Restrictions	3.07%	$500	-	Learn More Reviews (1)
Virginia Credit Union, Inc., Restrictions	3.07% 2.86% 2.66% 2.65%	$100,000 $50,000 $5,000 $500	-	Learn More Reviews (2)
Eglin Restrictions	3.04%	$2,500	-	Learn More Reviews
Member Preferred Restrictions	3.04%	$500	-	Learn More Reviews (1)
Rate History: 4.07% → 3.04%
Baxter Restrictions	3.00%	$500	-	Learn More Reviews
Rate History: 3.25% → 3.00%
Credit Union Of Southern California Restrictions	3.00%	$1,000	-	Learn More Reviews
Rate History: 2.70% → 2.85% → 3.00%
Nextmark Restrictions	3.00%	$100,000	-	Learn More Reviews
Pentagon Restrictions	3.00%	$1,000	-	Learn More Reviews (15)
Gesa Restrictions	3.00% 2.80% 2.60%	$100,000 $50,000 $500	-	Learn More Reviews (2)
Rate History: 3.00% → 5.00% → 3.00%
Mutual Savings Restrictions	2.75%	$100	-	Learn More Reviews
Rate History: 2.00% → 2.75%
Blue Restrictions	2.75%	$1,000	-	Learn More Reviews
Rate History: 0.55% → 2.75%
Community First Credit Union Of Flo Restrictions	2.73% 2.68% 2.63% 2.53%	$250,000 $100,000 $45,000 $500	-	Learn More Reviews
Publix Employees Restrictions	2.62% 2.52%	$100,000 $500	-	Learn More Reviews
Gte Restrictions	2.53% 2.27%	$100,000 $500	-	Learn More Reviews (1)
Rate History: 1.76% → 2.53%
Technology Restrictions	2.50%	$1,000	-	Learn More Reviews
Partner Colorado Restrictions	2.50%	$500	-	Learn More Reviews
Elements Financial Restrictions	2.50%	$1,000	-	Learn More Reviews
Trustone Financial	2.50%	$500	-	Learn More Reviews
Abound Restrictions	2.50%	$500	-	Learn More Reviews
Rate History: 0.90% → 2.50% → 1.00% → 2.50%
Trustone Financial Restrictions	2.50%	$500	-	Learn More Reviews (2)
Affinity Restrictions	2.50%	$500	-	Learn More Reviews
Merck Sharp & Dohme Restrictions	2.50%	$500	-	Learn More Reviews
Quorum Restrictions	2.45%	$1,000	-	Learn More Reviews (2)
Rate History: 2.45% → 6.00%
121 Financial Restrictions	2.45%	$500	-	Learn More Reviews (1)
Westerra Restrictions	2.40%	$500	-	Learn More Reviews
Rate History: 0.70% → 2.40%
Texas Dow Employees Restrictions	2.40% 2.25%	$100,000 $1,000	-	Learn More Reviews (1)
Ingersoll-rand Restrictions	2.37%	$1,000	-	Learn More Reviews
Credit Union Of Denver Restrictions	2.35% 2.25%	$50,000 $5,000	-	Learn More Reviews
Nuvision Restrictions	2.35% 2.30% 2.25% 2.20%	$100,000 $50,000 $25,000 $1,000	-	Learn More Reviews
Safe Restrictions	2.27% 1.92%	$25,000 $500	-	Learn More Reviews
Town & Country Restrictions	2.27%	$500	-	Learn More Reviews (1)
Stanford Restrictions	2.27%	$1,000	-	Learn More Reviews
Investex Restrictions	2.27% 2.02%	$50,000 $1,000	-	Learn More Reviews
Rate History: 2.17% → 2.27%
New England Restrictions	2.27%	$500	-	Learn More Reviews
Empower Restrictions	2.15%	$500	-	Learn More Reviews
Ithink Financial Restrictions	2.12%	$1,000	-	Learn More Reviews
Logix Restrictions	2.10% 1.45%	$1,000 $100,000	-	Learn More Reviews
Rate History: 1.45% → 1.45% → 2.10%
Elevations Restrictions	2.10% 2.00%	$100,000 $500	-	Learn More Reviews
Town And Country	2.02% 1.51%	$10,000 $1,000	-	Learn More Reviews
First Flight Restrictions	2.02% 1.92%	$10,000 $500	-	Learn More Reviews
Municipal Restrictions	2.02%	$500	-	Learn More Reviews
Central Valley Firefighters Restrictions	2.01%	$1,000	-	Learn More Reviews (1)
Patelco Restrictions	2.00%	$250	-	Learn More Reviews (2)
Gulf Winds Restrictions	2.00%	$500	-	Learn More Reviews
Mass Bay Restrictions	2.00%	$500	-	Learn More Reviews (1)
Xcel Restrictions	2.00%	$500	-	Learn More Reviews
Onpoint Community Restrictions	2.00% 1.75%	$1,001 $1,000	-	Learn More Reviews (1)
Fortera Restrictions	2.00%	$1,000	-	Learn More Reviews (1)
Financial Resources Restrictions	1.92%	$500	-	Learn More Reviews
True Sky	1.91%	$1,000	-	Learn More Reviews
Mccoy Restrictions	1.82% 1.71% 1.61% 1.51%	$100,000 $25,000 $5,000 $1,000	-	Learn More Reviews
Campus Usa Restrictions	1.76% 1.51%	$25,000 $2,000	-	Learn More Reviews
Valley Restrictions	1.75%	$500	-	Learn More Reviews
San Diego County Restrictions	1.75% 1.70%	$90,000 $2,000	-	Learn More Reviews
Rate History: 2.05% → 1.75%
Wheat State Restrictions	1.75%	$500	-	Learn More Reviews
Star Of Texas Restrictions	1.75% 1.60% 1.50%	$100,000 $50,000 $1,000	-	Learn More Reviews (1)
Loco Restrictions	1.75%	$500	-	Learn More Reviews
Members Choice Restrictions	1.75%	$500	-	Learn More Reviews
First Florida Restrictions	1.70%	$1,000	-	Learn More Reviews (1)
Park Community Credit Union, Inc. Restrictions	1.70%	$500	-	Learn More Reviews
Afena Restrictions	1.61% 1.51% 1.41%	$100,000 $10,000 $250	-	Learn More Reviews
Pen Air Restrictions	1.60%	$500	-	Learn More Reviews (1)
Dexsta Restrictions	1.51%	$1,000	-	Learn More Reviews
Security First Restrictions	1.51% 1.46% 1.41% 1.31%	$100,000 $50,000 $25,000 $500	-	Learn More Reviews
Ou Restrictions	1.51%	$10,000	-	Learn More Reviews
Frontwave Restrictions	1.50%	$1,000	-	Learn More Reviews
Safeamerica Restrictions	1.50%	$1,000	-	Learn More Reviews
Royal Restrictions	1.50%	$0	-	Learn More Reviews
Security Service Restrictions	1.50% 1.45% 1.40%	$50,000 $25,000 $500	-	Learn More Reviews (1)
Langley Restrictions	1.50%	$100	-	Learn More Reviews
Chartway Restrictions	1.40%	$500	-	Learn More Reviews
Columbia Community Restrictions	1.40% 1.25%	$100,000 $0	-	Learn More Reviews
United Restrictions	1.35%	$500	-	Learn More Reviews
Tower Restrictions	1.35%	$500	-	Learn More Reviews
Rate History: 1.95% → 2.00% → 1.95% → 1.85% → 1.35%
Safe 1 Restrictions	1.25%	$1,000	-	Learn More Reviews
Midflorida Restrictions	1.25%	$1,000	-	Learn More Reviews (1)
Rate History: 1.00% → 1.25%
Sikorsky Financial Restrictions	1.25%	$500	-	Learn More Reviews
Southwest 66 Restrictions	1.25%	$1,500	-	Learn More Reviews
Everwise Restrictions	1.19%	$500	-	Learn More Reviews
Wymar Restrictions	1.15%	$75,000	-	Learn More Reviews
Members 1st Restrictions	1.15% 1.10% 1.00% 0.90% 0.85% 0.80%	$1,000,000 $100,000 $75,000 $50,000 $10,000 $500	-	Learn More Reviews
Connex Restrictions	1.10%	$500	-	Learn More Reviews
Covantage Restrictions	1.10%	$5,000	-	Learn More Reviews
University Of Wisconsin Restrictions	1.05% 1.00% 0.95%	$250,000 $10,000 $500	-	Learn More Reviews
Fedmont	1.01%	$10,000	-	Learn More Reviews
Gorman-rupp & Associates Restrictions	1.01%	$100,000	-	Learn More Reviews
Pahranagat Valley	1.00%	$10,000	-	Learn More Reviews
East Idaho Restrictions	1.00%	$500	-	Learn More Reviews
Fairwinds Restrictions	1.00%	$100	-	Learn More Reviews
Louisiana Restrictions	1.00%	$10,000	-	Learn More Reviews (1)
Electro Savings Restrictions	1.00%	$10,000	-	Learn More Reviews
Riverview Restrictions	1.00%	$500	-	Learn More Reviews
Safe Restrictions	1.00% 0.90% 0.75%	$100,000 $50,000 $1,000	-	Learn More Reviews
Southwest Heritage Restrictions	1.00%	$1,000	-	Learn More Reviews
Bp Restrictions	1.00%	$10,000	-	Learn More Reviews
1st University	1.00%	$10,000	-	Learn More Reviews
Summit Restrictions	1.00%	$500	-	Learn More Reviews
Rate History: 0.50% → 1.00%
Landmark Restrictions	1.00%	$500	-	Learn More Reviews
Chaffey Restrictions	0.96%	$10,000	-	Learn More Reviews
Riverfall Restrictions	0.95%	$10,000	-	Learn More Reviews
Guardians Restrictions	0.95%	$10,000	-	Learn More Reviews
Wymar Restrictions	0.91%	$1,000	-	Learn More Reviews
Country Heritage	0.91%	$10,000	-	Learn More Reviews
Guadalupe Parish Restrictions	0.91%	$100,000	-	Learn More Reviews
Dominion Energy Credit Union Restrictions	0.90%	$10,000	-	Learn More Reviews (1)
Federal Employees	0.90%	$10,000	-	Learn More Reviews
Fort Dodge Family Restrictions	0.90%	$100,000	-	Learn More Reviews
1st Gateway Restrictions	0.90%	$1,000	-	Learn More Reviews
Texas Tech Restrictions	0.90%	$10,000	-	Learn More Reviews
Westex Restrictions	0.88%	$100,000	-	Learn More Reviews
Kitsap Restrictions	0.88%	$100,000	-	Learn More Reviews
Family 1st Of Texas	0.85%	$10,000	-	Learn More Reviews
Dch Restrictions	0.85%	$10,000	-	Learn More Reviews
I. H. Mississippi Valley Restrictions	0.85%	$100,000	-	Learn More Reviews
Union Square Restrictions	0.85%	$1,000	-	Learn More Reviews
Efcu Financial Restrictions	0.85%	$100,000	-	Learn More Reviews
Park Side Financial Restrictions	0.85%	$100,000	-	Learn More Reviews
Grasslands Restrictions	0.85%	$100,000	-	Learn More Reviews
Columbus Metro Restrictions	0.85%	$100,000	-	Learn More Reviews
Chemcel Restrictions	0.85%	$100,000	-	Learn More Reviews
Houston Restrictions	0.82%	$100,000	-	Learn More Reviews
Cone Restrictions	0.80%	$10,000	-	Learn More Reviews
Kraftcor	0.80%	$1,000	-	Learn More Reviews
Gulf Coast Educators Restrictions	0.80%	$100,000	-	Learn More Reviews
Sun Community Restrictions	0.80%	$100,000	-	Learn More Reviews
F & A Restrictions	0.80%	$50,000	-	Learn More Reviews
Guardian Restrictions	0.80%	$10,000	-	Learn More Reviews
Workmen's Circle Incorporated Restrictions	0.80%	$100,000	-	Learn More Reviews
Alabama Teachers Restrictions	0.80%	$10,000	-	Learn More Reviews
Spirit Of Alaska Restrictions	0.80%	$10,000	-	Learn More Reviews
Community Resource Restrictions	0.80%	$90,000	-	Learn More Reviews
Louisiana Usa Restrictions	0.80%	$100,000	-	Learn More Reviews
Metrowest Community Restrictions	0.80%	$100,000	-	Learn More Reviews (1)
Maine State Restrictions	0.80%	$10,000	-	Learn More Reviews (1)
Wildfire Restrictions	0.80%	$100,000	-	Learn More Reviews
Weokie Restrictions	0.80%	$100,000	-	Learn More Reviews
Allegiance Restrictions	0.80%	$100,000	-	Learn More Reviews
Erie Restrictions	0.80%	$100,000	-	Learn More Reviews (1)
Dixies	0.80%	$10,000	-	Learn More Reviews
Fort Worth Community Restrictions	0.80%	$100,000	-	Learn More Reviews
East Texas Professional Restrictions	0.80%	$100,000	-	Learn More Reviews
Doches Restrictions	0.80%	$10,000	-	Learn More Reviews
Pcm Restrictions	0.80%	$10,000	-	Learn More Reviews
Gsa Restrictions	0.79%	$10,000	-	Learn More Reviews
Cenla Restrictions	0.76%	$10,000	-	Learn More Reviews
K V Restrictions	0.76%	$10,000	-	Learn More Reviews
Education 1st Restrictions	0.76%	$500	-	Learn More Reviews
Mutual Savings Restrictions	0.75%	$10,000	-	Learn More Reviews
Wyochem	0.75%	$10,000	-	Learn More Reviews
N. J. Latvian	0.75%	$10,000	-	Learn More Reviews
Wichita Falls Teachers Restrictions	0.75%	$1,000	-	Learn More Reviews
F & A Restrictions	0.75%	$1,000	-	Learn More Reviews
Hurricane Creek Restrictions	0.75%	$10,000	-	Learn More Reviews
Coosa Pines Restrictions	0.75%	$10,000	-	Learn More Reviews
Carter Restrictions	0.75%	$10,000	-	Learn More Reviews
Aurora Schools Restrictions	0.75%	$100,000	-	Learn More Reviews
Denver Fire Department Restrictions	0.75%	$10,000	-	Learn More Reviews
Members United Credit Union Restrictions	0.75%	$10,000	-	Learn More Reviews (1)
Cooperative Choice Network Restrictions	0.75%	$500	-	Learn More Reviews
United 1st Restrictions	0.75%	$100,000	-	Learn More Reviews
Honolulu Restrictions	0.75%	$10,000	-	Learn More Reviews
Jacksonville Firemen's Restrictions	0.75%	$10,000	-	Learn More Reviews
1st Resource Restrictions	0.75%	$10,000	-	Learn More Reviews
Success Restrictions	0.75%	$10,000	-	Learn More Reviews (1)
Up Arkansas Restrictions	0.75%	$10,000	-	Learn More Reviews
Combined Employees	0.75%	$10,000	-	Learn More Reviews (17)
Sun Community Restrictions	0.75%	$10,000	-	Learn More Reviews
Prestige Community Restrictions	0.75%	$10,000	-	Learn More Reviews
Jm Associates Restrictions	0.75%	$100,000	-	Learn More Reviews
Credit Union 1 Restrictions	0.75%	$100,000	-	Learn More Reviews
Chicago Firefighter's Restrictions	0.75%	$10,000	-	Learn More Reviews
Members Choice Restrictions	0.75%	$10,000	-	Learn More Reviews
Cse Restrictions	0.75%	$1,000	-	Learn More Reviews
Access Of Louisiana Restrictions	0.75%	$100,000	-	Learn More Reviews
Efcu Financial Restrictions	0.75%	$10,000	-	Learn More Reviews
West Michigan Restrictions	0.75%	$100,000	-	Learn More Reviews
American 1 Restrictions	0.75%	$500	-	Learn More Reviews
West Metro Schools Restrictions	0.75%	$10,000	-	Learn More Reviews
Charlotte Fire Department Restrictions	0.75%	$100,000	-	Learn More Reviews
Bragg Mutual Restrictions	0.75%	$10,000	-	Learn More Reviews (1)
Marine Restrictions	0.75%	$10,000	-	Learn More Reviews (1)
Abco Restrictions	0.75%	$100,000	-	Learn More Reviews
Ohio Valley Community Restrictions	0.75%	$10,000	-	Learn More Reviews
University & Community Restrictions	0.75%	$10,000	-	Learn More Reviews
Western Sun Restrictions	0.75%	$100,000	-	Learn More Reviews
United Trades	0.75%	$10,000	-	Learn More Reviews
Riverfront Restrictions	0.75%	$10,000	-	Learn More Reviews
1st Cooperative	0.75%	$10,000	-	Learn More Reviews
Texoma Community Restrictions	0.75%	$10,000	-	Learn More Reviews
Fort Worth Community Restrictions	0.75%	$10,000	-	Learn More Reviews
Mobility Credit Union Restrictions	0.75%	$10,000	-	Learn More Reviews (1)
Chemcel Restrictions	0.75%	$10,000	-	Learn More Reviews
Members Choice Of Central Texas Restrictions	0.75%	$100,000	-	Learn More Reviews
Sabine Restrictions	0.75%	$10,000	-	Learn More Reviews
Walker County Restrictions	0.75%	$10,000	-	Learn More Reviews
Houston Texas Fire Fighters Restrictions	0.75%	$10,000	-	Learn More Reviews
Memorial Restrictions	0.75%	$10,000	-	Learn More Reviews
Cal-com Restrictions	0.75%	$100,000	-	Learn More Reviews
Members 1st	0.75%	$10,000	-	Learn More Reviews
Vermont Restrictions	0.75%	$10,000	-	Learn More Reviews
Tapco Restrictions	0.75%	$100,000	-	Learn More Reviews (1)
Members' Advantage Restrictions	0.75%	$10,000	-	Learn More Reviews
United Arkansas Restrictions	0.71%	$10,000	-	Learn More Reviews
Kelly Community Restrictions	0.70%	$10,000	-	Learn More Reviews
Green Mountain Restrictions	0.70%	$10,000	-	Learn More Reviews
Everyone's Restrictions	0.70%	$100,000	-	Learn More Reviews
Coasthills Restrictions	0.70%	$100,000	-	Learn More Reviews
Sandia Laboratory Restrictions	0.70%	$100,000	-	Learn More Reviews
Pikes Peak Restrictions	0.70%	$10,000	-	Learn More Reviews
Honda Restrictions	0.70%	$100,000	-	Learn More Reviews
Alcoa Community	0.70%	$10,000	-	Learn More Reviews
Cobalt Restrictions	0.70%	$100,000	-	Learn More Reviews
Five Star Restrictions	0.70%	$10,000	-	Learn More Reviews
Robins Financial Restrictions	0.70%	$10,000	-	Learn More Reviews
Houston Restrictions	0.70%	$10,000	-	Learn More Reviews
Community Resource Restrictions	0.70%	$100	-	Learn More Reviews
Communication Restrictions	0.70%	$1,000	-	Learn More Reviews
Ouachita Valley Restrictions	0.70%	$10,000	-	Learn More Reviews
Neighbors Restrictions	0.70%	$10,000	-	Learn More Reviews
Safe Harbor Restrictions	0.70%	$10,000	-	Learn More Reviews
United Financial Restrictions	0.70%	$100,000	-	Learn More Reviews
Dort Financial	0.70%	$100,000	-	Learn More Reviews
Diversified Members Restrictions	0.70%	$10,000	-	Learn More Reviews
Trades & Labor	0.70%	$100,000	-	Learn More Reviews
Health Care Family Restrictions	0.70%	$10,000	-	Learn More Reviews (1)
Abnb Restrictions	0.70%	$100,000	-	Learn More Reviews
True Sky Restrictions	0.70%	$500	-	Learn More Reviews (2)
Red Crown Restrictions	0.70%	$100,000	-	Learn More Reviews
Weokie Restrictions	0.70%	$10,000	-	Learn More Reviews
Western Sun Restrictions	0.70%	$10,000	-	Learn More Reviews
Tulsa Restrictions	0.70%	$100,000	-	Learn More Reviews
The Focus Restrictions	0.70%	$10,000	-	Learn More Reviews
Heritage South Community Cu Restrictions	0.70%	$10,000	-	Learn More Reviews
Education Restrictions	0.70%	$10,000	-	Learn More Reviews
East Texas Professional Restrictions	0.70%	$10,000	-	Learn More Reviews
Texasgulf Restrictions	0.70%	$10,000	-	Learn More Reviews
West Virginia Central	0.70%	$10,000	-	Learn More Reviews
Westex Restrictions	0.68%	$10,000	-	Learn More Reviews
San Patricio County Teachers Restrictions	0.66%	$10,000	-	Learn More Reviews
Ksw Restrictions	0.65%	$10,000	-	Learn More Reviews
First Class American Restrictions	0.65%	$100,000	-	Learn More Reviews
Parda Restrictions	0.65%	$10,000	-	Learn More Reviews (1)
Honda Restrictions	0.65%	$10,000	-	Learn More Reviews
United Methodist Restrictions	0.65%	$100,000	-	Learn More Reviews
Go Energy Financial	0.65%	$10,000	-	Learn More Reviews
Altura Restrictions	0.65%	$100,000	-	Learn More Reviews
Rate History: 0.55% → 0.65%
Families And Schools Together Restrictions	0.65%	$10,000	-	Learn More Reviews
Idb Global Restrictions	0.65%	$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.