Colorado

Image Courtesy: www.pixabay.com

Credit Union CD Rates Carbondale, Colorado

You are viewing rates from credit unions across Carbondale

 

Below are the best one year CD Rates from credit unions in Carbondale, Colorado. 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.

Carbondale, CO - December 21, 2024

1 Year CD National Average : 0.55% ?

Credit Unions APY MIN MILES ?

Rate History: 5.45% → 5.53%

Rate History: 5.51% → 5.40%

Rate History: 5.23% → 2.99% → 5.10% → 5.35%

Rate History: 5.20% → 5.30%

5.30%

5.10%
5.00%

$25,000

$10,000
$500

-

Learn More

Rate History: 5.13% → 5.25%

| Nov 24, 2020

Earlier this year just before the pandemic I was involved in a vehicular accident that resulted in me losing my car in total loss. Following the trend of how 2020 has gone, my hours for work were cut do to... Read More

Rate History: 5.30% → 5.70% → 5.85% → 5.43% → 5.22%

Rate History: 5.05% → 5.20%

Rate History: 4.13% → 5.17%

| Apr 13, 2020

OMG! The worst. If you want to take your money out it is very difficult. Even though the IRS doesn't require anyone to tell why they are taking money out unless it is more than $10k these people will n... Read More

Rate History: 4.75% → 5.00% → 5.15%

Rate History: 4.54% → 5.38% → 5.12%

| Sep 11, 2020

Rate is now 2.01% Read More

Rate History: 5.38% → 5.12%

Rate History: 0.40% → 5.10%

| Sep 20, 2017

This credit union is a joke. They need to pull a credit report just to open a cd. Read More

Rate History: 5.20% → 5.56% → 5.09% → 5.04%

Rate History: 4.93% → 5.15% → 5.01%

Rate History: 4.39% → 4.59% → 5.01%

| Nov 30, 2020

I will never do business with grow again. Very dissatisfied as a client. Read More

Rate History: 4.75% → 5.01%

| Jun 1, 2019

Yes... Read More

Rate History: 3.75% → 5.00%

Rate History: 5.10% → 5.00%

Rate History: 5.60% → 5.50% → 5.25% → 5.15% → 5.00%

Rate History: 2.22% → 2.63% → 5.30% → 2.63% → 5.00%

| Dec 7, 2023

100% a Rogue Bank. Wish I could give them a negative star. Banks like superior choice CU are the example why Americans are behind on building better credit portfolio. They for some strange reasons ar... Read More

Texas People
Restrictions

5.00%

3.99%

$10,000

$1,000

-

Learn More

| Dec 19, 2019

Ali123 Read More

Rate History: 5.80% → 5.50% → 5.40% → 5.05% → 5.00%

| Jul 10, 2019

Does credit human use ChexSystems Read More

Rate History: 4.85% → 5.10% → 4.95%

Rate History: 4.85% → 5.00% → 5.15% → 4.95%

Rate History: 5.50% → 5.10% → 4.90%

Rate History: 5.35% → 4.75% → 4.85%

Rate History: 1.40% → 2.30% → 1.40% → 5.00% → 4.85%

Rate History: 5.10% → 4.85%

Rate History: 5.50% → 5.00% → 5.40% → 4.75% → 4.80%

Rate History: 3.75% → 4.80%

Rate History: 4.60% → 5.00% → 4.90% → 4.80%

Rate History: 4.60% → 5.00% → 4.90% → 4.80%

| Jan 19, 2023

They have a lot of potential to be great. But, they need to learn their systems and how to best serve their Members. Don't do it. Just don't. You've been warned. Read More

Redwood
Restrictions

4.75%

$1,000

-

Learn More

Rate History: 5.15% → 4.75%

Rate History: 5.00% → 1.75% → 3.75% → 4.75%

Rate History: 5.01% → 4.90% → 5.12% → 4.80% → 4.75%

| Feb 6, 2023

Everyone was very friendly and helpful. Read More

Rate History: 3.30% → 5.25% → 6.00% → 5.25% → 4.75%

| Jan 12, 2022

I did a signature loan to pay off two credit cards in December 2021 of $10,000 @ 10.75 % Then 30 days later in January 2022 Suncoast offers its members to pay off your credit cards @ 5.9 % That did not s... Read More

| Feb 4, 2020

This is false advertising. The actual apy is 2.5º\º Read More

Rate History: 5.00% → 4.75% → 5.00% → 4.75%

| Dec 22, 2020

Where is the 4.00/% rate? It doesn’t seem to exist? Read More

Rate History: 5.00% → 4.75% → 4.50% → 5.00% → 4.75%

4.75%

$500

-

Learn More

Rate History: 5.00% → 4.75%

| Feb 29, 2020

After being part of this credit union for many years have am closing my accounts. I deposited a very large check from an estate account they told me they needed to put a hold. No problem. The time is u... Read More

Rate History: 5.25% → 5.15% → 5.00% → 4.81% → 4.72%

Rate History: 4.86% → 4.81% → 4.71%

Rate History: 5.00% → 4.70%

Rate History: 4.50% → 4.25% → 4.70%

Texas Trust
Restrictions

4.70%

4.65%

$50,000

$500

-

Learn More

Rate History: 3.51% → 4.70%

Rate History: 5.60% → 5.10% → 4.90% → 4.45% → 4.65%

Rate History: 4.64% → 4.63%

Rate History: 4.75% → 5.00% → 5.25% → 5.00% → 4.60%

Rate History: 4.60% → 4.35% → 4.60%

| 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

| Sep 27, 2016

why have you not updated your rates Read More

Rate History: 5.30% → 5.10% → 5.00% → 4.75% → 4.60%

Rate History: 5.65% → 4.60%

| Jun 12, 2017

five star......great location...fast service Read More

Harborstone
Restrictions

4.59%

$5,000

-

Learn More

Rate History: 5.00% → 4.75% → 4.50% → 2.70% → 4.55%

Rate History: 4.08% → 4.60% → 4.80% → 5.00% → 4.55%

Rate History: 4.80% → 4.85% → 4.59% → 4.64% → 4.54%

Rate History: 4.50% → 5.00% → 4.80% → 4.65% → 4.52%

| Sep 8, 2022

Great place to bank. Love credit unions and the staff here. Best rates in Austin at Star of Texas! Read More

Metro
Restrictions

4.50%

$0

-

Learn More

Rate History: 3.80% → 4.50%

Rate History: 5.25% → 4.50%

Rate History: 4.50% → 3.50% → 4.20% → 4.50%

Rate History: 4.65% → 4.50%

Rate History: 4.90% → 4.80% → 4.70% → 4.65% → 4.50%

Rate History: 4.25% → 4.50%

Rate History: 3.90% → 4.50%

Rate History: 3.50% → 5.10% → 3.50% → 4.50%

Variable rate tied to US Treasury rates.
Rate History: 5.59% → 4.50%

Rate History: 5.15% → 4.75% → 5.25% → 5.00% → 4.50%

Rate History: 5.25% → 4.50%

Rate History: 4.00% → 4.50%

Rate History: 5.20% → 4.73% → 4.58% → 4.47%

Rate History: 4.70% → 4.65% → 4.60% → 4.50% → 4.45%

Rate History: 5.25% → 5.15% → 5.30% → 4.45%

| Feb 27, 2020

Always enjoy competitive CD rates, easy convenient loan processing, and staff is always Ben friendly a knowledgeable Read More

Rate History: 4.73% → 4.68% → 4.58% → 4.48% → 4.43%

| Aug 14, 2023

Staff customer service very poor. Long wait times due to limited staffing. Read More

Rate History: 4.41% → 4.16% → 4.89% → 4.41%

Rate History: 4.80% → 4.60% → 4.50% → 4.45% → 4.40%

Rate History: 1.95% → 4.00% → 4.35%

Rate History: 4.70% → 4.85% → 4.75% → 4.65% → 4.35%

Rate History: 5.70% → 5.90% → 5.55% → 5.00% → 4.35%

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

Rate History: 4.00% → 3.50% → 4.75% → 4.15% → 4.35%

| Mar 5, 2020

Very easy to open A CD or M&M account. They use Transunion to verify credit so just thaw your freeze for A day or 2 and your good to go. I was helped by Holly and Natalie and had no issues at the Cambridg... Read More

Rate History: 5.10% → 5.00% → 4.60% → 4.35%

Rate History: 4.50% → 4.30% → 4.20% → 4.40% → 4.35%

Rate History: 4.86% → 5.00% → 4.34%

Rate History: 2.27% → 5.38% → 4.33%

| Aug 15, 2019

I applied for a jumbo CD account over two weeks ago. They asked me for more documentation than my mortgage company did and then they did a hard credit pull. They advertise fast and simple they are simply n... Read More

Rate History: 3.04% → 4.33%

| Aug 17, 2016

Hello, I am the CEO of a small credit union here in Dallas, and was wondering what the criteria for becoming a member and depositing a CD of around $150k to $200k. We are looking to move a large some... Read More

Rate History: 4.37% → 4.33%

Rate History: 0.80% → 5.10% → 4.32%

Rate History: 5.20% → 5.40% → 5.15% → 5.20% → 4.30%

Rate History: 4.10% → 4.30% → 4.60% → 4.35% → 4.30%

Rate History: 4.40% → 4.30%

Rate History: 4.60% → 4.50% → 4.65% → 4.35% → 4.30%

Rate History: 4.90% → 4.65% → 4.55% → 4.40% → 4.30%

Rate History: 4.50% → 4.27%

Rate History: 3.30% → 4.25%

| Dec 7, 2020

Worst Bank EVER!!!!, 1. They have more account intrusions than a windows OS and when you ask how it happened, they inform you have to file a police report in order to receive that information that doesn't ... Read More

Rate History: 4.75% → 4.60% → 4.75% → 4.50% → 4.25%

Rate History: 5.12% → 4.85% → 4.59% → 4.33% → 4.25%

Rate History: 4.75% → 4.50% → 4.25%

Rate History: 5.00% → 2.28% → 4.75% → 4.30% → 4.25%

Rate History: 5.20% → 4.95% → 4.75% → 4.45% → 4.25%

Rate History: 4.85% → 4.65% → 4.55% → 4.45% → 4.25%

Rate History: 4.90% → 4.85% → 4.55% → 4.40% → 4.25%

Rate History: 3.50% → 4.25%

Rate History: 4.71% → 5.39% → 5.13% → 4.60% → 4.25%

| May 4, 2016

Refi, no cash out, no second Read More

Rate History: 4.10% → 4.25%

Rate History: 4.39% → 4.50% → 4.75% → 4.00% → 4.25%

Rate History: 4.93% → 4.83% → 4.74% → 4.55% → 4.25%

| Apr 12, 2019

Your website states 11 months IRA CD at 3% but when I called in morning, I was told that it expired on 4/10. please update your website. Read More

Rate History: 5.00% → 4.60% → 4.50% → 4.40% → 4.25%

Rate History: 4.25% → 4.35% → 4.75% → 4.50% → 4.25%

Rate History: 4.68% → 4.52% → 4.42% → 4.84% → 4.22%

| Jan 21, 2021

Horrible untrustworthy people and a grifter mentality, stay away! Closed my account and reported them to https://www.ncua.gov/. Read More

Lone Star
Restrictions

4.20%

$500

-

Learn More

Rate History: 4.10% → 4.42% → 4.73% → 4.52% → 4.16%

Rate History: 5.10% → 4.85% → 4.75% → 4.35% → 4.15%

| 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

Rate History: 5.45% → 5.20% → 0.48% → 4.75% → 4.15%

| 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

Rate History: 4.70% → 4.85% → 4.60% → 4.00% → 4.15%

Rate History: 4.54% → 4.28% → 4.54% → 4.50% → 4.13%

Rate History: 3.10% → 4.10%

| Jun 19, 2022

Does PMFCU share with Bellco, Law Enforcement in Aurora. Read More

Rate History: 4.80% → 4.65% → 4.40% → 4.35% → 4.10%

Rate History: 5.81% → 5.55% → 5.02% → 4.76% → 4.08%

Rate History: 2.01% → 5.12% → 1.51% → 5.12% → 4.07%

Rate History: 3.20% → 3.66% → 4.07%

Rate History: 2.27% → 4.84% → 5.25% → 4.34% → 4.07%

Rate History: 4.58% → 4.22% → 4.06% → 4.32% → 4.06%

Rate History: 0.40% → 3.15% → 4.30% → 4.55% → 4.05%

Rate History: 5.00% → 3.75% → 4.25% → 4.05%

Rate History: 4.80% → 5.25% → 4.20% → 4.25% → 4.05%

Rate History: 3.61% → 5.00% → 4.15% → 4.00%

Rate History: 4.75% → 4.50% → 4.30% → 4.25% → 4.00%

Rate History: 2.70% → 3.00% → 3.25% → 4.00%

Rate History: 3.00% → 4.75% → 4.00%

Rate History: 4.00% → 5.00% → 4.00%

Rate History: 4.50% → 4.00%

Rate History: 4.00% → 4.15% → 2.50% → 3.50% → 4.00%

Rate History: 3.50% → 4.75% → 4.65% → 3.65% → 4.00%

Rate History: 5.15% → 5.00% → 4.50% → 4.00%

| Oct 11, 2019

Long, long wait to see a banker. No one at the front desk. Very Poor service Read More

Rate History: 2.25% → 4.00%

Rate History: 3.80% → 4.00%

| 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

Rate History: 5.35% → 5.00% → 4.75% → 4.40% → 4.00%

Rate History: 2.25% → 4.75% → 4.50% → 4.00%

Rate History: 4.25% → 4.75% → 4.50% → 3.75% → 4.00%

Rate History: 5.10% → 5.00% → 4.65% → 4.00%

Rate History: 5.00% → 4.75% → 4.40% → 4.10% → 4.00%

Rate History: 4.85% → 4.00%

Rate History: 5.00% → 4.75% → 4.50% → 4.25% → 4.00%

Rate History: 5.00% → 4.50% → 4.00% → 4.50% → 4.00%

| Jan 1, 2022

Great Customer Service. Good Interest Rates and a Great Local Bank. - SK Read More

Rate History: 5.40% → 3.95%

Rate History: 4.60% → 4.85% → 4.87% → 4.60% → 3.95%

Hughes
Restrictions

3.92%

3.87%
3.82%
2.53%

$99,999

$50,000
$1,000
$100

-

Learn More

Rate History: 4.75% → 5.00% → 4.80% → 4.05% → 3.90%

Rate History: 4.65% → 4.40% → 4.65% → 4.40% → 3.90%

| Aug 17, 2016

Hello, I am the CEO of a small credit union here in Dallas, and we are currently looking for another credit union to deposit a CD into. We are not receiving much of a benefit from our current instituti... Read More

Rate History: 5.40% → 5.15% → 4.65% → 3.90%

| Jan 24, 2020

This rate is not accurate as it is 2.25% Read More

Rate History: 4.60% → 5.15% → 4.90% → 4.75% → 3.90%

| Sep 15, 2021

The rates posted here is not the same. Check the credit union's web site for actual rates Read More

Rate History: 4.50% → 3.90%

| Dec 16, 2020

Nusenda Credit Union are unprofessional and a big waste of time. Read More

Rate History: 4.81% → 4.71% → 4.50% → 4.39% → 3.87%

| Dec 30, 2018

Best financial institution in NC. Highest rates on savings and is involved with helping their customers and the communities they operate in. Read More

Rate History: 2.45% → 5.00% → 4.75% → 4.45% → 3.85%

Rate History: 4.80% → 4.65% → 4.10% → 3.85%

Rate History: 5.20% → 4.33% → 3.84%

Rate History: 4.71% → 4.55% → 4.39% → 4.18% → 3.82%

Rate History: 4.30% → 3.80%

Rate History: 3.75% → 4.20% → 4.05% → 3.80%

| Feb 12, 2022

Community First CU does NOT offer online Principal Payments on loans. CFCU online services are 20 years behind the industry. Online Principal payments are offered at Credit unions. Avoid Community First Cr... Read More

Rate History: 0.25% → 3.50% → 4.00% → 3.75%

| Dec 22, 2021

STCU this rate is over twice what I was told at the credit union Read More

Rate History: 3.51% → 3.65% → 3.75%

| Aug 18, 2020

Excellent! Read More

Rate History: 3.00% → 3.75%

Rate History: 4.00% → 3.75%

Rate History: 1.95% → 3.75%

Rate History: 2.26% → 4.07% → 3.75%

Rate History: 5.00% → 4.50% → 4.25% → 4.00% → 3.75%

| Nov 19, 2022

Ratio of loans vs deposits appears Greenwood is overlevereged when compared to similar credit unions in the USA. Read More

Rate History: 4.25% → 4.50% → 4.40% → 3.75%

| 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

Rate History: 3.61% → 3.76% → 3.71% → 3.35% → 3.66%

3.65%

3.50%

$100,000

$1,000

-

Learn More

Rate History: 5.25% → 4.50% → 4.00% → 3.80% → 3.65%

| Nov 20, 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

Rate History: 3.96% → 3.93% → 3.64%

Rate History: 3.14% → 3.97% → 3.77% → 3.71% → 3.60%

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

Rate History: 4.55% → 4.45% → 4.05% → 3.60%

Rate History: 5.15% → 3.60%

Rate History: 3.51% → 3.56%

The Golden 1
Restrictions

3.55%

3.45%

$100,000

$500

-

Learn More

Rate History: 2.85% → 3.55% → 3.35% → 3.00% → 3.55%

Rate History: 5.02% → 4.76% → 4.24% → 3.98% → 3.52%

| 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: 5.06% → 5.25% → 4.61% → 3.86% → 3.52%

| Feb 3, 2023

So I financed a camper through this group. The plumbing water sewer black and gray tank fell to the ground 30 days after purchase. It was being “ fixed “ for almost 5 months the dealer assured me I wou... Read More

| Jun 22, 2023

BrightStar is great with members. The CD rate for 13 months is 4.75%! Read More

Frontwave
Restrictions

3.50%

$1,000

-

Learn More

| Oct 7, 2023

Have a problem that ICan not find an answer to in DFCU Financial. Trying to change info from USMail to Internet. They ask for my account number and the only thing I can find is onPurshing note. It is, H25... Read More

Green Country
Restrictions

3.50%

$50,000

-

Learn More

Rate History: 4.00% → 3.95% → 3.35% → 3.25% → 3.50%

Rate History: 2.40% → 3.50% → 3.45%

Rate History: 2.90% → 3.20% → 3.45%

Rate History: 4.00% → 3.75% → 3.50% → 3.45%

Rate History: 3.30% → 3.40%

Rate History: 0.80% → 3.40%

| Apr 19, 2021

Anyone is better than dealing with these guys! It's amazing how they work. And I've had loans off and on for 30 years. Their website and support are horrible. Their ability to track and appropriatel... Read More

Rate History: 2.05% → 4.05% → 3.55% → 3.35%

Rate History: 3.85% → 3.30%

3.30%

$1,000

-

Learn More

| Sep 30, 2016

what the rate on 5 years cd if your a elite member Read More

Rate History: 3.20% → 3.56% → 3.29%

Rate History: 4.85% → 4.75% → 4.25% → 4.00% → 3.25%

Rate History: 3.75% → 3.50% → 3.75% → 3.25%

Rate History: 3.75% → 4.00% → 3.25%

| Oct 9, 2023

Member for 50 years and have aeen it grow and develop with changing times and technology quickly and smoothly. Has helped me and my family, tremendously, through any and all crisis... don't know how Id ha ... Read More

| Jun 14, 2019

This bank gives you the runaround to find simple rates such as Roth rate and traditional ira but when it comes to cd rates it is very easily attainable. And the 1st information when you select rates but to... Read More

Rate History: 2.75% → 2.75% → 3.10%

Direct
Restrictions

3.06%

3.00%

$100,000

$250

-

Learn More

| Oct 17, 2018

This was a great credit union when it was Florida Telco. They have lost all their former great customer service. Trying care about their members anymore.... It's just like a bank Read More

Rate History: 3.35% → 3.25% → 3.15% → 3.10% → 3.05%

Rate History: 3.04% → 4.59% → 3.04%

Rate History: 4.75% → 3.00%

| Feb 6, 2023

max. amt. per account thats insured under your ncua? limit on how many accts? Read More

Rate History: 4.50% → 4.00% → 3.50% → 4.00% → 3.00%

Rate History: 4.90% → 4.25% → 4.40% → 3.25% → 3.00%

Rate History: 1.00% → 3.00% → 5.25% → 3.00%

Rate History: 4.00% → 3.00%

Rate History: 4.85% → 4.50% → 3.00%

Rate History: 4.75% → 3.50% → 4.75% → 3.50% → 3.00%

| Sep 4, 2019

BETHPAGE CREDIT UNION IS THE BEST.. Read More

Rate History: 4.30% → 4.30% → 3.00%

| Nov 5, 2023

I am a 30 year customer at this institution. Recently applied for a CD funded by money already in the system different account. 10 days later has still not been processed. Multiple calls no solution, at t... Read More

Rate History: 4.00% → 4.50% → 4.00% → 3.00%

| Dec 4, 2022

Your credit union needs to compete with other credit unions, like Liberty Federal, which has a 6 year rate at 4.30%. Read More

Rate History: 3.30% → 2.80%

Rate History: 2.45% → 4.60% → 2.55% → 3.00% → 2.75%

| Jul 7, 2019

wrong rate! Read More

| Aug 7, 2020

We have been members for over 40 years. Now that we are retired, we spend a lot of time in Turkey. We use our credit card from Trustone, but often the merchant will not accept it. They try to run it thr... Read More

Ingersoll-rand
Restrictions

2.73%

$1,000

-

Learn More
Loco
Restrictions

2.65%

$500

-

Learn More

Rate History: 5.00% → 12.00%

| Sep 20, 2023

Have been a member for 15 years and love everything about them: have a HighQ account, and QClassic checking and had a mortgage with them, too. Read More

Campus Usa
Restrictions

2.53%

2.27%

$25,000

$2,000

-

Learn More

Rate History: 2.50% → 2.51%

| May 31, 2021

Joshua from your security service deserves a great review. He helped cancel my card after it was stolen. Read More

2.50%

$250

-

Learn More

| Jan 18, 2022

Need to see form for wiring money from another state to Panama City Florida USA Read More

| Dec 3, 2022

You should be embarrassed for the VERY LOW interest you are paying your membership on savings accounts!!! Why would you do to this to your members. Surprised you haven’t been losing these accounts to you... Read More

| 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

| May 12, 2016

19 what, years or months Read More

Rate History: 2.75% → 2.85% → 2.35%

| May 25, 2022

Your CD are lower than HUDSON Valley Credit Union .At one time you where good. 5-25-22 Read More

Safeamerica
Restrictions

2.25%

$1,000

-

Learn More

Rate History: 2.25% → 5.25% → 2.25%

2.20%

2.15%

$50,000

$500

-

Learn More

2.11%

$1,000

-

Learn More

2.10%

1.95%

$100,000

$0

-

Learn More

Rate History: 2.10% → 2.00% → 4.85% → 2.00%

| 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

Rate History: 3.87% → 2.75% → 2.79% → 2.22% → 1.97%

| Dec 15, 2022

I have been a member for over 30 years and Pelican has consistently offered deposit rates that are higher than bank and credit union averages. All my kids and grandkids park their savings with Pelican and... Read More

Rate History: 1.85% → 1.90% → 1.85% → 1.75% → 1.70%

Rate History: 1.35% → 1.70%

Great Lakes
Restrictions

1.55%

1.25%

$100,000

$1,000

-

Learn More

Rate History: 2.69% → 1.51%

Rate History: 1.51% → 1.76% → 1.51%

1.51%

$10,000

-

Learn More

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

Rate History: 0.70% → 1.40%

| Aug 11, 2021

Marie Read More

Linn - Co
Restrictions

1.26%

$100,000

-

Learn More

1.26%

$10,000

-

Learn More

1.26%

$100,000

-

Learn More
Wymar
Restrictions

1.25%

$75,000

-

Learn More

1.21%

$10,000

-

Learn More
Carter
Restrictions

1.20%

$10,000

-

Learn More

1.20%

$100,000

-

Learn More
Chemcel
Restrictions

1.20%

$100,000

-

Learn More

| Aug 17, 2016

Hello, I am the CEO of a small credit union here in Dallas, and we are currently looking for another credit union to deposit a CD into. We are not receiving much of a benefit from our current instituti... Read More

Ferguson
Restrictions

1.16%

$10,000

-

Learn More

1.15%

$100,000

-

Learn More

1.11%

$10,000

-

Learn More
Cse
Restrictions

1.11%

$1,000

-

Learn More

Rate History: 1.00% → 1.11%

Bp
Restrictions

1.11%

$10,000

-

Learn More
Memorial
Restrictions

1.11%

$10,000

-

Learn More
Spco
Restrictions

1.11%

$50,000

-

Learn More

1.11%

$1,000

-

Learn More

1.11%

$10,000

-

Learn More
Honolulu
Restrictions

1.10%

$10,000

-

Learn More

1.10%

$10,000

-

Learn More
Hiway
Restrictions

1.10%

$100,000

-

Learn More
Chemcel
Restrictions

1.10%

$10,000

-

Learn More

1.10%

$10,000

-

Learn More

1.06%

$10,000

-

Learn More

1.06%

$10,000

-

Learn More
Spirit Of Alaska
Restrictions

1.06%

$10,000

-

Learn More
Bossier
Restrictions

1.06%

$10,000

-

Learn More
Crow Wing Power
Restrictions

1.06%

$10,000

-

Learn More
True North
Restrictions

1.05%

$10,000

-

Learn More

1.05%

$10,000

-

Learn More
Keesler
Restrictions

1.05%

$25

-

Learn More
Metro Cu
Restrictions

1.05%

$10,000

-

Learn More
Firstlight
Restrictions

1.05%

$100,000

-

Learn More
Plus
Restrictions

1.05%

$100,000

-

Learn More
Gsa
Restrictions

1.02%

$10,000

-

Learn More

| Jun 8, 2021

Call first. Rate is different Read More

Five Star
Restrictions

1.01%

$10,000

-

Learn More
Members Choice
Restrictions

1.01%

$10,000

-

Learn More
Cenla
Restrictions

1.01%

$10,000

-

Learn More

1.01%

$10,000

-

Learn More
Texas Tech
Restrictions

1.01%

$10,000

-

Learn More
Domino
Restrictions

1.01%

$10,000

-

Learn More
Kelly Community
Restrictions

1.01%

$10,000

-

Learn More
Cone
Restrictions

1.00%

$10,000

-

Learn More

1.00%

$10,000

-

Learn More
United 1st
Restrictions

1.00%

$100,000

-

Learn More

1.00%

$500

-

Learn More

1.00%

$100

-

Learn More
Coosa Pines
Restrictions

1.00%

$10,000

-

Learn More

1.00%

$10,000

-

Learn More

| May 17, 2023

I left a message with the teller to have the manager call me as I wanted to open an account with the bank but had several questions. I live an hour away and thought a call would be easier. The manager neve... Read More

Kirtland
Restrictions

1.00%

$100,000

-

Learn More
Up Arkansas
Restrictions

1.00%

$10,000

-

Learn More

1.00%

$10,000

-

Learn More

1.00%

$10,000

-

Learn More
Hurricane Creek
Restrictions

1.00%

$10,000

-

Learn More
Membersfirst
Restrictions

1.00%

$10,000

-

Learn More

1.00%

$10,000

-

Learn More

1.00%

$100,000

-

Learn More

1.00%

$90,000

-

Learn More
Wymar
Restrictions

1.00%

$1,000

-

Learn More
Hiway
Restrictions

1.00%

$10,000

-

Learn More
Alabama One
Restrictions

1.00%

$10,000

-

Learn More
Alps
Restrictions

1.00%

$10,000

-

Learn More

1.00%

$10,000

-

Learn More

1.00%

$10,000

-

Learn More

1.00%

$10,000

-

Learn More

1.00%

$10,000

-

Learn More

1.00%

$10,000

-

Learn More

| Jan 23, 2019

This place is absolutely not for their members like they claim. They charge astronomical interest rates and put you on a balloon if you have less than perfect credit. Not to mention, the little fact that... Read More

1.00%

$100,000

-

Learn More

1.00%

$10,000

-

Learn More
Assemblies Of God
Restrictions

1.00%

$10,000

-

Learn More

1.00%

$100,000

-

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.

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 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 (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