Mississippi

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Credit Union CD Rates – 6-Month – Mississippi

You are viewing rates from credit unions across Mississippi





Below are the best six month CD Rates from credit unions in Mississippi. 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.

MS - July 31, 2025

6 Month CD National Average : 0.41% ?

Credit Unions APY MIN MILES ?

Rate History: 4.39% → 4.59% → 4.70% → 4.65% → 4.33%

| Feb 6, 2023

Everyone was very friendly and helpful. Read More

Rate History: 4.25% → 3.90%

Rate History: 4.50% → 4.40% → 4.25% → 3.90%

| May 12, 2016

19 what, years or months Read More

Rate History: 4.87% → 4.35% → 4.08% → 3.40% → 2.23%

| Dec 14, 2022

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

Rate History: 2.10% → 1.85% → 1.75% → 4.25% → 1.60%

0.60%

$500

-

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0.55%

$100,000

-

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0.55%

$100,000

-

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| May 7, 2021

Becoming a member of SSFCU and breaking free of the traditional profit off consumers through big wealth trenching is the traditional banks as we know today on every corner. The suits will continue to gain... Read More

0.50%

$100,000

-

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0.50%

0.48%

$100,000

$25,000

-

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| May 7, 2021

Becoming a member of SSFCU and breaking free of the traditional profit off consumers through big wealth trenching is the traditional banks as we know today on every corner. The suits will continue to gain... Read More

0.45%

$1,000

-

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0.45%

$100,000

-

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0.45%

$100,000

-

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0.45%

$10,000

-

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0.45%

$10,000

-

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0.40%

$10,000

-

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0.40%

$10,000

-

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0.38%

$50,000

-

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0.35%

$500

-

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0.35%

$10,000

-

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0.35%

$10,000

-

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0.35%

$10,000

-

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0.30%

$1,000

-

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0.30%

$10,000

-

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0.30%

$10,000

-

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0.30%

$10,000

-

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0.25%

$1,000

-

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0.25%

$10,000

-

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0.25%

$10,000

-

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| Mar 26, 2021

Need a working number for branch in bogalusa Louisiana Read More

| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

0.20%

$10,000

-

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0.15%

$10,000

-

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0.15%

$10,000

-

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0.15%

$10,000

-

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0.10%

$10,000

-

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Edu


Restrictions

0.01%

$500

-

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

Branches Info around zip 10007


Branch Street City State
CHEVRON
Chevron Chevron Branch
250 Industrial Rd Pascagoula MS
BAXTER
Baxter Baxter Branch
911 N. Davis Avenue Cleveland MS
POWERCO
Powerco Powerco Branch
2207 17th Street Gulfport MS
MEMBERS EXCHANGE
Members Exchange Members Exchange Branch
107 Marketridge Drive Ridgeland MS
THE NEW ORLEANS FIREMEN'S
The New Orleans Fire The New Orleans Fire Branch
1620 Goodyear Blvd., Suite C Picayune MS
SOUTHERN SECURITY
Southern Security Southern Security Branch
303 West Park Avenue Greenwood MS
HOPE
Drew Branch Drew Branch
140 W Shaw Ave Drew MS
NAVIGATOR CU
Navigator Cu Navigator Cu Branch
2721 Jerry St.PE. Hwy Pascagoula MS
NAVIGATOR CU
Navigator Cu Navigator Cu Branch
2721 Jerry St.PE. Hwy Pascagoula MS
SOUTHERN SECURITY
Southern Security Southern Security Branch
303 West Park Avenue Greenwood MS
KEESLER
Keesler Keesler Branch
2602 Pass Road Biloxi MS
FIRST SOUTH FINANCIAL
Southaven Southaven Branch
185 Goodman Rd W Southaven MS
SINGING RIVER
Singing River Singing River Branch
6006 HIGHWAY 63 MOSS POINT MS
GULF COAST COMMUNITY
Gulf Coast Community Gulf Coast Community Branch
12364 Highway 49 Gulfport MS
THE NEW ORLEANS FIREMEN'S
The New Orleans Fire The New Orleans Fire Branch
1620 Goodyear Blvd., Suite C Picayune MS
HEALTHNET
Healthnet Healthnet Branch
84 Airways Pl Southaven MS
FIRST SOUTH FINANCIAL
Southaven Southaven Branch
185 Goodman Rd W Southaven MS
F A A
F A A F A A Branch
1804 S. Green St Tupelo MS
F A A
F A A F A A Branch
1804 S. Green St Tupelo MS
SUNBELT
Central Sunbelt Central Sunbelt Branch
1506 Congress St. Laurel MS
CENTURYFIRST
Sm Federal Cu Sm Federal Cu Branch
3318 HARDY ST HATTIESBURG MS
SINGING RIVER
Singing River Singing River Branch
6006 HIGHWAY 63 MOSS POINT MS
MERIDIAN MUTUAL
Meridian Mutual Meridian Mutual Branch
809 26TH AVE MERIDIAN MS
SOUTHEAST FINANCIAL
Southeast Financial Southeast Financial Branch
102 Highway 72 West Corinth MS
MEMBERS EXCHANGE
Members Exchange Members Exchange Branch
107 Marketridge Drive Ridgeland MS
VERITAS
Veritas Veritas Branch
276 Nissan Pkwy, Ste A Canton MS
MUNA
Muna Muna Branch
4400 Hwy 39 North Meridian MS
SECURTRUST
Securtrust Securtrust Branch
4975 Highway 51 N Senatobia MS
ZELLCO
Zellco Zellco Branch
547 Eagle Day Ave Columbia MS
HOPE
Drew Branch Drew Branch
140 W Shaw Ave Drew MS
STATEWIDE
Statewide Statewide Branch
295 East Layfair Drive Flowood MS
MUTUAL
Mutual Mutual Branch
1604 Cherry St Vicksburg MS
1ST MISSISSIPPI
1st Mississippi 1st Mississippi Branch
600 19th Ave Meridian MS
FORT FINANCIAL
Fort Financial Fort Financial Branch
1808 Fulton Dr Corinth MS


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 2025

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

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

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

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

NCUA Insurance

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

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

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

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

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

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

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

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

SAVINGS & CD CALCULATOR

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