Indiana

Image Courtesy: www.pixabay.com

Credit Union CD Rates Indiana

You are viewing rates from credit unions across Indiana





Below are the best one year CD Rates from credit unions in Indiana. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

IN - July 30, 2025

1 Year CD National Average : 0.55% ?

Credit Unions APY MIN MILES ?

Rate History: 5.15% → 4.75%

Rate History: 5.00% → 5.40% → 4.75% → 4.80% → 4.65%

Rate History: 5.25% → 5.15% → 5.00% → 4.45% → 4.40%

Rate History: 2.33% → 4.46% → 4.20%

Rate History: 5.00% → 4.85% → 4.60% → 4.35% → 4.00%

Rate History: 2.60% → 3.00%

| May 12, 2016

19 what, years or months Read More

2.20%

2.15%

$50,000

$500

-

Learn More

Rate History: 4.76% → 4.24% → 3.98% → 3.52% → 2.18%

| 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% → 2.00% → 4.85% → 2.00%

Rate History: 3.50% → 4.00% → 3.70% → 3.60% → 1.65%

Rate History: 3.00% → 1.55% → 4.60% → 4.50% → 1.45%

1.00%

$10,000

-

Learn More

0.91%

$100,000

-

Learn More

0.90%

$10,000

-

Learn More

0.90%

$100,000

-

Learn More

0.85%

$10,000

-

Learn More

0.85%

$10,000

-

Learn More

0.81%

$10,000

-

Learn More

0.80%

$10,000

-

Learn More

0.80%

$10,000

-

Learn More

0.80%

$10,000

-

Learn More

0.80%

$100,000

-

Learn More

| Jan 30, 2021

I live in South Bend, IN. How can I join your bank for investments, CDs in particular Read More

0.75%

$10,000

-

Learn More

0.75%

$500

-

Learn More

| Feb 26, 2017

Overall very unprofessional, not compassionate, could use a few lessons in calculations. Very cocky attitudes. Read More

0.75%

$10,000

-

Learn More

Aaa

Aaa Branch
Restrictions

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.70%

$5,000

-

Learn More

0.70%

$10,000

-

Learn More

0.70%

$10,000

-

Learn More

0.60%

$100,000

-

Learn More

| Mar 14, 2020

One thing I hate about Centra Credit f****** Union they have no customer service help at all whatsoever. After hours that sucks ass Read More

0.60%

$10,000

-

Learn More

0.60%

$10,000

-

Learn More

0.60%

$100,000

-

Learn More

0.60%

$10,000

-

Learn More

0.60%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More

| Mar 14, 2020

One thing I hate about Centra Credit f****** Union they have no customer service help at all whatsoever. After hours that sucks ass Read More

0.55%

$100,000

-

Learn More

Members Heritage


Restrictions

0.55%

$100,000

-

Learn More

0.55%

$10,000

-

Learn More

0.55%

$100,000

-

Learn More

0.55%

$10,000

-

Learn More

0.53%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

| Apr 24, 2023

No they don’t have deposit as a function. Read More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.45%

$10,000

-

Learn More

Members Heritage


Restrictions

0.45%

$10,000

-

Learn More

0.45%

$10,000

-

Learn More

0.45%

$100,000

-

Learn More

0.45%

$10,000

-

Learn More

0.40%

$10,000

-

Learn More

| May 1, 2019

They are the worst loan company I have ever worked with. Disrespectful staff and argumentative. No online or over the phone payments. Simple problems they blame the customer and take no responsibility. Avo... Read More

0.40%

$1,000

-

Learn More

0.35%

$10,000

-

Learn More

0.35%

$10,000

-

Learn More

0.35%

$100,000

-

Learn More

0.35%

$10,000

-

Learn More

0.35%

$10,000

-

Learn More

0.35%

$10,000

-

Learn More

0.35%

$100,000

-

Learn More

0.35%

$100,000

-

Learn More

0.30%

$500

-

Learn More

| Apr 16, 2021

Steady and reliable Read More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn 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

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More

0.18%

$10,000

-

Learn More

0.16%

$10,000

-

Learn More

0.15%

$500

-

Learn More

0.15%

$10,000

-

Learn More

Edu


Restrictions

0.10%

$500

-

Learn More

0.10%

$10,000

-

Learn More

0.10%

$10,000

-

Learn More

0.10%

$10,000

-

Learn More

0.09%

$10,000

-

Learn More
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
INOVA
Inova Inova Branch
358 S. Elkhart Ave Elkhart IN
COMMUNITYWIDE
Hickory Hickory Branch
3530 Hickory Rd Mishawaka IN
FINANCIAL BUILDERS
Financial Builders Financial Builders Branch
2828 So. Lafountain St Kokomo IN
THREE RIVERS
Three Rivers Three Rivers Branch
1615 Northland Boulevard Fort Wayne IN
ELEMENTS FINANCIAL
Eli Lilly Eli Lilly Branch
225 S East Street, Suite 300 Indianapolis IN
UNIFY FINANCIAL
Western Western Branch
Toyota Motor Manufacturing, 4884 South maple Tree Princeton IN
AFENA
Afena Afena Branch
424 N Bradner Avenue Marion IN
UNIFY FINANCIAL
Western Western Branch
Toyota Motor Manufacturing, 4884 South maple Tree Princeton IN
PARK COMMUNITY CREDIT UNION, INC.
New Albany Office New Albany Office Branch
4100 Technology Ave New Albany IN
AFENA
Afena Afena Branch
424 N Bradner Avenue Marion IN
PARK COMMUNITY CREDIT UNION, INC.
New Albany Office New Albany Office Branch
4100 Technology Ave New Albany IN
UNIFY FINANCIAL
Western Western Branch
Toyota Motor Manufacturing, 4884 South maple Tree Princeton IN
AFENA
Afena Afena Branch
424 N Bradner Avenue Marion IN
INDIANA UNIVERSITY
Indiana University Indiana University Branch
105 E Winslow Rd Bloomington IN
HERITAGE
Boonville Boonville Branch
966 N State Route 61 Boonville IN
BAXTER
Baxter Baxter Branch
927 South Curry Pike, Building B Bloomington IN
LIBERTY
Evansville Teachers Evansville Teachers Branch
4401 Theater Drive Evansville IN
EVERWISE
Great Dane Brazil Great Dane Brazil Branch
2664 E US Highway 40 Brazil IN
SOUTH BEND FIREFIGHTERS
South Bend Firefight South Bend Firefight Branch
1122 SOUTH MAIN STREET SOUTH BEND IN
BEACON
Beacon Beacon Branch
586 S Wabash Street Wabash IN
KEMBA
Kemba Kemba Branch
1111 South Adams Street Bluffton IN
HONDA
Honda Honda Branch
2740 N. Michigan Ave Greensburg IN
ENERGY PLUS
Energy Plus Energy Plus Branch
1230 W Morris Street Indianapolis IN
RIVERSIDE COMMUNITY
Charles St. Communit Charles St. Communit Branch
508 E CHARLES ST MARION IN
BEACON
Beacon Beacon Branch
586 S Wabash Street Wabash IN
HONDA
Honda Honda Branch
2740 N. Michigan Ave Greensburg IN
DIVERSIFIED GENERAL
Diversified General Diversified General Branch
631 E. Broadway Logansport IN
INDIANA HEARTLAND
Indiana Heartland Indiana Heartland Branch
319 south berkley kokomo IN
POLICEMEN'S
Policemen's Policemen's Branch
1130 S. MAIN SOUTH BEND IN
SOLIDARITY COMMUNITY
Solidarity Community Solidarity Community Branch
201 Southway Boulevard East Kokomo IN
FINANCIAL HEALTH
Clarian Clarian Branch
1515 N. Senate Ave Indianapolis IN
ENCOMPASS
Encompass Encompass Branch
201 North Main St Tipton IN
VIA CREDIT UNION
Via Credit Union Via Credit Union Branch
4505 S Adams Marion IN
MEMBERS SOURCE
Members Source Members Source Branch
8580 Virginia St Merrillville IN
AAA
Aaa Aaa Branch
1112 N Bendix Drive South Bend IN
POLICEMEN'S
Policemen's Policemen's Branch
1130 S. MAIN SOUTH BEND IN
ADVANTAGEPLUS OF INDIANA
Advantageplus Of Ind Advantageplus Of Ind Branch
1122 N Fruitridge Ave Terre Haute IN
BAR-CONS
Bar-cons Bar-cons Branch
1142 N Marr Road Columbus IN
INDUSTRIAL
Lafayette East Lafayette East Branch
431 Meijer Dr Lafayette IN
L & N
L & N L & N Branch
1450 VETERANS PARKWAY, SUITE 100 JEFFERSONVILLE IN
TECH
Tech Tech Branch
10951 Broadway Crown Point IN
CENTRA
Centra Centra Branch
1430 National Raod Columbus IN
INDIANA MEMBERS
Indiana Members Indiana Members Branch
5103 Madison Ave. Indianapolis IN
CRANE
West Gate West Gate Branch
1 W Gate Dr Odon IN
EVERENCE
Mennonite Financial Mennonite Financial Branch
1110 N Main St Goshen IN
FORTRESS
Fortress Fortress Branch
615 N Western Ave Marion IN
LA PORTE COMMUNITY
La Porte Community La Porte Community Branch
1304 Jefferson Ave La Porte IN
MEMBERS ADVANTAGE
Members Advantage Members Advantage Branch
3064 S. Ohio Street Michigan City IN
CENTRA
Centra Centra Branch
1430 National Raod Columbus IN
STALEY
Staley Employees Staley Employees Branch
1000 Sagamore Pkwy N Ste B Lafayette IN
HAYNES COMMUNITY
Haynes Community Haynes Community Branch
1801 S. Park Road Kokomo IN
INTERRA
Interra Interra Branch
300 W Lincoln Ave Goshen IN
U S #1364
U S #1364 U S #1364 Branch
8400 BROADWAY MERRILLVILLE IN
DIAMOND VALLEY
Diamond Valley Diamond Valley Branch
840 Diamond Ave Evansville IN
FORT FINANCIAL
Fort Financial Credit Union Fort Financial Credit Union Branch
10301 Maysville Rd Fort Wayne IN
HOOSIER HILLS
Hoosier Hills Hoosier Hills Branch
630 Lincoln Avenue Bedford IN
COMMUNITY SPIRIT CREDIT UNION
Community Spirit Cre Community Spirit Cre Branch
160 Industrial Drive Lawrenceburg IN
EVERENCE
Mennonite Financial Mennonite Financial Branch
1110 N Main St Goshen IN
INDIANA LAKES
Indiana Lakes Indiana Lakes Branch
322 South Detroit Street Warsaw IN
CREDIT UNION 1
Credit Union 1 Credit Union 1 Branch
4027 W. 10th St. Indianapolis IN
FINANCIAL PARTNERS
Financial Partners Fcu Financial Partners Fcu Branch
13350 Country Shoal Lane Grabill IN
CHIPHONE
Chiphone Chiphone Branch
710 N. WILDWOOD AVE ELKHART IN
PERFECT CIRCLE
Perfect Circle Perfect Circle Branch
631 E Main St Hagerstown IN
REGIONAL
Regional Regional Branch
7144 Kennedy Avenue Hammond IN
MEMBERS CHOICE
Members Choice Members Choice Branch
520 W Patterson Drive Bloomington IN
ALLEGIUS
Allegius Allegius Branch
244 Allegius Drive Burns Harbor IN
MIDWEST FAMILY
Midwest Family Midwest Family Branch
2832 WILLOWCREEK RD PORTAGE IN
TECH
Tech Tech Branch
10951 Broadway Crown Point IN
FIRST TRUST
First Trust First Trust Branch
950 E. US Hwy 20 Michigan City IN
KOKOMO HERITAGE
Kokomo Heritage Kokomo Heritage Branch
901 South Courtland Avenue Kokomo IN
NATCO
Natco Natco Branch
582 S Round Barn Rd Richmond IN
HARVESTER FINANCIAL
Harvester Financial Harvester Financial Branch
7020 Brookville Road Indianapolis IN
PERFECT CIRCLE
Perfect Circle Perfect Circle Branch
631 E Main St Hagerstown IN
FINANCIAL CENTER FIRST
Greenwood Greenwood Branch
20 N Emerson Ave Greenwood IN
INDIANA STATE UNIVERSITY
Indiana State Univer Indiana State Univer Branch
444 N 3rd St Terre Haute IN
PROFED
Professional Professional Branch
1710 ST. JOE RIVER DRIVE FORT WAYNE IN
FIRE POLICE CITY COUNTY
Fire Police City Cou Fire Police City Cou Branch
3306 N CLINTON ST FORT WAYNE IN
PURDUE
Purdue Federal Credit Union - Admin Purdue Federal Credit Union - Admin Branch
1551 Win Hentschel Blvd West Lafayette IN
STALEY
Staley Employees Staley Employees Branch
1000 Sagamore Pkwy N Ste B Lafayette IN
KOKOMO HERITAGE
Kokomo Heritage Kokomo Heritage Branch
901 South Courtland Avenue Kokomo IN
INTERRA
Interra Interra Branch
300 W Lincoln Ave Goshen IN
FINANCIAL CENTER FIRST
Greenwood Greenwood Branch
20 N Emerson Ave Greenwood IN
ADVANCE FINANCIAL
Advance Financial Advance Financial Branch
31 W. Lincoln Highway Schererville IN
PRIMETRUST FINANCIAL
Wge Wge Branch
3700 W Bethel Avenue Muncie IN
KEMBA INDIANAPOLIS
Kemba Indianapolis Kemba Indianapolis Branch
444 S Shortridge Road Indianapolis IN
HOMETOWN
Hometown Hometown Branch
151 North Broadway Peru IN
MIDWEST AMERICA
Midwest America Midwest America Branch
1104 Medical Park Drive Fort Wayne IN
CITY OF FIRSTS COMMUNITY
Main Office Main Office Branch
1120 S Main St Kokomo IN
INDEPENDENT
Independent Independent Branch
1107 E 24th Street Anderson IN
NOTRE DAME
Notre Dame Notre Dame Branch
19033 Douglas Road South Bend IN
INDIANA STATE UNIVERSITY
Indiana State Univer Indiana State Univer Branch
444 N 3rd St Terre Haute IN
BUSINESS AND INDUSTRIAL
Business And Industr Business And Industr Branch
740 N Marr Road Columbus IN
GENFED FINANCIAL
Shelbyville Office Shelbyville Office Branch
1648 N MICHIGAN RD Shelbyville IN
NORTHERN INDIANA
Northern Indiana Northern Indiana Branch
8121 Grand Blvd Merrillville IN
VIGO COUNTY
Vigo County Vigo County Branch
128 South 8th Street Terre Haute IN
PARTNERS 1ST
Partners 1st Partners 1st Branch
1330 Directors Row Fort Wayne IN
NORTHPARK COMMUNITY
Northpark Community Northpark Community Branch
5965 W. Technology Cebnter Drive Indianapolis IN
GRAND HERITAGE
Grand Heritage Grand Heritage Branch
201 Koomler Drive La porte IN
LAMPCO
Lampco Lampco Branch
5411 Dr MLK Jr Blvd Anderson IN
CROSSROADS FINANCIAL
Crossroads Financial Crossroads Financial Branch
1102 W Votaw ST Portland IN


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union One-Year 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 (in the case of 1-year CDs, the period is obviously 1-year), 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, and many that do maintain the right to deny it in their terms and conditions. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union.

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 1-year 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 time deposit is 3 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 next 12 months (or the period of your time deposit or CD). The premium in a one-year CD is very small, however, a small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates