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You are viewing rates from credit unions across Carbondale
Below are the best three month CD Rates in Carbondale, Colorado, CO from hundreds of credit unions. Three month CD rates are generally the shortest term offered by credit unions and come with the lowest interest rates. You may want to consider opening a 3 month CD if the rates are comparable to a savings and money market account, you don’t need the money for the timeperiod, and you feel that savings rates will drop.
Carbondale, CO - December 21, 2024
CD National Average : 2.23% ?
| Credit Unions | APY | MIN | MILES ? | |
|---|---|---|---|---|
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5.55% 1.21%1.16% 1.11% |
$250 $100,000$25,000 $5,000 |
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Rate History: 4.50% → 5.55% |
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5.25% |
$500 |
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5.00% |
$500 |
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Mark Long | Apr 13, 2021 Please don't use Pen Air Federal Credit Union for a variety of reasons. The security system isn't set up with fraud in mind. The IRS deposited money into my child's account that wasn't intended for the mem... Read More |
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4.90% |
$500 |
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Rate History: 0.63% → 4.90% |
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4.75% 4.50% |
$25,000 $500 |
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Rate History: 5.13% → 5.00% → 4.75% |
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Julie | May 4, 2016 Refi, no cash out, no second Read More |
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4.70% |
$500 |
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Rate History: 4.91% → 5.43% → 5.33% → 4.70% |
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4.65% 4.55% |
$100,000 $1,000 |
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4.65% |
$500 |
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Rate History: 5.20% → 5.10% → 5.00% → 4.75% → 4.65% |
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4.65% |
$500 |
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Rate History: 4.50% → 5.00% → 5.50% → 5.25% → 4.65% |
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jkihl | Feb 27, 2020 Always enjoy competitive CD rates, easy convenient loan processing, and staff is always Ben friendly a knowledgeable Read More |
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4.60% |
$500 |
- |
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Rate History: 5.55% → 4.25% → 3.00% → 4.80% → 4.60% |
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4.57% |
$250 |
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4.50% |
$0 |
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4.30% |
$10,000 |
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4.25% |
$1,000 |
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Rate History: 4.85% → 4.25% |
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Jessica | Dec 16, 2020 Nusenda Credit Union are unprofessional and a big waste of time. Read More |
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4.25% |
$500 |
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Rate History: 5.25% → 3.45% → 4.50% → 4.25% |
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4.25% |
$1,000 |
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4.13% 3.92% |
$1,000 $100,000 |
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Rate History: 4.59% → 4.39% → 4.07% → 4.18% → 4.13% |
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douglasmcrainey@gmail.com | Feb 6, 2023 Everyone was very friendly and helpful. Read More |
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4.00% |
$200 |
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Rate History: 5.25% → 1.50% → 4.00% |
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4.00% |
$1,000 |
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Rate History: 2.00% → 4.00% |
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4.00% |
$500 |
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4.00% |
$100 |
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Rate History: 4.85% → 4.50% → 4.00% |
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4.00% |
$250 |
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4.00% 3.95%3.90% 3.85% |
$100,000 $50,000$20,000 $500 |
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4.00% |
$1,000 |
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Rate History: 3.00% → 4.50% → 4.00% |
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SK.ATX | Jan 1, 2022 Great Customer Service. Good Interest Rates and a Great Local Bank. - SK Read More |
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3.93% |
$100 |
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Rate History: 5.65% → 4.86% → 4.34% → 4.08% → 3.93% |
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3.85% 3.75%3.65% |
$25,000 $10,000$500 |
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3.85% 3.75% |
$99,000 $500 |
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Rate History: 3.85% → 3.00% → 3.85% |
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David Gibson | Aug 10, 2021 There does not seem to be anywhere that I can locate info as to what my membership rights are in relation to decision making for the Credit Union. This seems to be a problem for any institution that is sup... Read More |
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3.80% 3.70% |
$500 $50,000 |
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Sharon | Aug 8, 2023 The mobile banking issues happened during a planned conversion to a new platform. VyStar said all funds are secure. The bank is using local banking tech firm Nymbus to launch the new platform electing it a... Read More |
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3.75% 3.55% |
$10,000 $250 |
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3.75% |
$500 |
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Rate History: 3.50% → 4.00% → 3.75% |
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clifton handyman | Nov 22, 2024 Your Lost Bitcoins Are Not Gone Forever? Enquire From iBolt Cyber Hacker iBolt Cyber Hacker is a cybersecurity service that specializes in Bitcoin and cryptocurrency recovery. Even if your Bitcoin is lo... Read More |
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3.65% |
$500 |
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3.65% |
$1,000 |
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Rate History: 4.00% → 3.75% → 3.65% |
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Jobe0822@gmail.com | Dec 22, 2020 Where is the 4.00/% rate? It doesn’t seem to exist? Read More |
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3.56% 3.51% |
$100,000 $1,000 |
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Rate History: 3.30% → 4.05% → 3.56% |
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3.55% 3.50% |
$75,000 $500 |
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3.51% |
$500 |
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Anavile23 | Jul 10, 2019 Does credit human use ChexSystems Read More |
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3.50% |
$500 |
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Rate History: 4.00% → 3.75% → 3.50% |
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3.50% |
$500 |
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3.50% |
$0 |
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3.30% |
$500 |
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Rate History: 2.78% → 3.04% → 3.30% |
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3.25% |
$1,000 |
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3.25% |
$1,000 |
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Rate History: 1.00% → 4.25% → 3.25% |
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3.15% 3.05%2.95% 2.85% 2.69% |
$99,000 $50,000$25,000 $10,000 $1,000 |
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3.15% 3.00% |
$100,000 $1,000 |
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3.10% |
$1,000 |
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Rate History: 4.25% → 3.10% |
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Gaius Gracchus | Mar 22, 2024 Their CD rates are reasonable and their Visa rewards is very good at 2.5% on all purchases up to 10K/month. Their customer service is polite and helpful. However, their IT department must need some serio... Read More |
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3.10% |
$1,000 |
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3.10% 3.00% |
$100,000 $500 |
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3.04% |
$500 |
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Learn More
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3.04% |
$1,000 |
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Learn More
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Rate History: 2.12% → 3.04% |
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3.03% |
$500 |
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3.00% |
$1,000 |
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Learn More
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Rate History: 3.15% → 3.00% |
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3.00% |
$1,000 |
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2.90% |
$500 |
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Learn More
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Rate History: 3.00% → 2.90% |
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2.89% 2.84%2.79% |
$200,000 $100,000$1,000 |
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Rate History: 2.38% → 2.89% |
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2.80% |
$500 |
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|
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Rate History: 4.50% → 5.15% → 4.50% → 4.05% → 2.80% |
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2.78% 2.73%2.68% 2.63% |
$100,000 $50,000$10,000 $500 |
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2.78% |
$2,500 |
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2.60% |
$500 |
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Learn More
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Rate History: 0.60% → 2.30% → 3.10% → 2.60% |
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2.50% |
$500 |
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Learn More
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Rate History: 4.75% → 3.50% → 4.75% → 3.00% → 2.50% |
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2.50% |
$500 |
- |
Learn More
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Rate History: 4.00% → 2.85% → 3.15% → 2.75% → 2.50% |
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2.20% 2.15% |
$100,000 $1,000 |
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Learn More
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Rate History: 4.05% → 2.80% → 2.50% → 2.20% |
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Amanda Frank | Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More |
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2.05% 1.95%1.90% 1.85% 1.80% |
$150,000 $100,000$50,000 $25,000 $500 |
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2.00% |
$100,000 |
- |
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2.00% |
$500 |
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2.00% |
$500 |
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2.00% |
$100 |
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Learn More
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H | Apr 25, 2021 It has some of the most inept, cold workers. They do not return calls. You have trouble using payments or transactions by phone as they charge you. For months during COVID no hand sanitizer was present ... Read More |
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1.92% |
$1,000 |
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1.85% 1.80%1.75% 1.70% |
$100,000 $50,000$25,000 $1,000 |
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1.75% 1.50% |
$1,001 $1,000 |
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Bradley, Elizabeth | May 31, 2021 Joshua from your security service deserves a great review. He helped cancel my card after it was stolen. Read More |
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1.63% |
$500 |
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Learn More
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1.55% |
$1,000 |
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Learn More
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1.50% |
$500 |
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Learn More
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|
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1.40% 1.35%1.00% |
$50,000 $10,000$500 |
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1.35% |
$5,000 |
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Rate History: 1.35% → 1.40% → 1.35% |
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1.25% |
$1,000 |
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1.11% 1.05%1.00% 0.95% |
$250,000 $100,000$10,000 $500 |
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1.11% 1.00%0.95% |
$100,000 $10,000$250 |
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Learn More
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1.10% |
$0 |
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Learn More
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Rate History: 5.25% → 1.10% |
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1.04% 1.00%0.95% |
$100,000 $10,000$2,000 |
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1.00% |
$1,000 |
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Learn More
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1.00% |
$500 |
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Learn More
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Rate History: 2.00% → 2.50% → 1.00% |
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1.00% |
$500 |
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Learn More
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1.00% 0.90%0.80% |
$100,000 $50,000$1,000 |
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Max Bartlett | Sep 8, 2022 Great place to bank. Love credit unions and the staff here. Best rates in Austin at Star of Texas! Read More |
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0.90% |
$500 |
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Learn More
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0.90% 0.80%0.75% |
$100,000 $50,000$1,000 |
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0.75% |
$1,000 |
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Learn More
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0.60% 0.50% |
$100,000 $1,000 |
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Rate History: 0.50% → 0.60% |
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0.60% |
$500 |
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0.50% |
$500 |
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Learn More
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0.50% |
$500 |
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0.50% |
$1,000 |
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Rate History: 3.50% → 0.50% |
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OrionMan | Nov 19, 2022 Ratio of loans vs deposits appears Greenwood is overlevereged when compared to similar credit unions in the USA. Read More |
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0.40% |
$1,000 |
- |
Learn More
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0.40% |
$1,000 |
- |
Learn More
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0.30% |
$500 |
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Learn More
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Rate History: 4.50% → 0.30% → 3.65% → 0.30% |
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0.25% |
$1,000 |
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Learn More
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Rate History: 0.10% → 0.25% |
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0.20% |
$1,000 |
- |
Learn More
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0.05% |
$1,000 |
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Learn More
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
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.
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.
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.
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.
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