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Image Courtesy: www.pixabay.com
You are viewing rates from credit unions across
Below are special Certificate of Deposit special rates and terms from credit unions in Carbondale, Colorado. Special CD offers can change weekly so check back frequently for updates. You can also view specials for banks in your local area.
Carbondale, CO - December 21, 2024
| Credit Union | APY | MIN | PERIOD | |
|---|---|---|---|---|
|
Credit Union One Of Oklahoma
Restrictions |
6.17% | $2,500 | 6 months |
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|
|
Complex Community
Restrictions |
6.00% | $500 | 6 months |
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|
|
Financial Partners
Restrictions |
6.00% | $1,000 | 8 months |
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|
|
Rate History: 6.50% → 6.00% |
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|
Heritage
Restrictions |
6.00% | $500 | 10 months |
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|
|
Nextmark
Restrictions |
6.00% | $100,000 | 10 months |
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|
|
Connex
Restrictions |
6.00% | $500 | 11 months |
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|
|
Covantage
Restrictions |
5.75% | $1,000 | 11 months |
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|
|
Truliant
Restrictions |
5.70% | $1,000 | 16 months |
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|
|
Rate History: 5.55% → 6.25% → 5.70% |
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|
Midflorida
Restrictions |
5.55% | $10,000 | 18 months |
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|
|
Corporate America Family
Restrictions |
5.50% | $1,000 | 7 months |
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|
|
Andrews Federal Credit Union
Restrictions |
5.50% | $1,000 | 8 months |
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|
|
Redstone
Restrictions |
5.41% | $100,000 | 8 months |
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|
|
Metro
Restrictions |
5.40% | $0 | 6 months |
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|
|
Texas Trust
Restrictions |
5.40% | $500 | 7 months |
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|
|
Expedition
Restrictions |
5.40% | $2,500 | 12 months |
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|
|
Rate History: 5.51% → 5.40% |
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|
St. Anne's
Restrictions |
5.38% | $2,500 | 13 months |
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|
|
Rate History: 5.00% → 5.38% |
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|
Mtc
Restrictions |
5.35% | $10,000 | 11 months |
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|
|
Florida
Restrictions |
5.35% | $1,000 | 13 months |
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|
|
Summit
Restrictions |
5.35% | $5,000 | 13 months |
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|
|
Rate History: 5.15% → 5.25% → 5.35% |
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|
Minnequa Works
|
5.30% | $500 | 6 months |
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|
|
Rate History: 6.14% → 5.30% |
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|
Sun East
Restrictions |
5.30% | $500 | 7 months |
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|
|
Trustone Financial
Restrictions |
5.30% | $2,500 | 13 months |
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|
|
Trustone Financial
|
5.30% | $2,500 | 13 months |
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|
|
We Florida Financial
Restrictions |
5.26% | $500 | 7 months |
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|
|
American Eagle Financial
Restrictions |
5.25% | $500 | 6 months |
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|
|
Olean Area
Restrictions |
5.25% | $0 | 7 months |
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|
|
Genisys
Restrictions |
5.25% | $500 | 7 months |
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|
|
Air Force
Restrictions |
5.25% | $1,000 | 7 months |
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|
|
Rate History: 5.70% → 5.25% |
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|
Affinity
Restrictions |
5.25%
4.25% 4.25% |
$50,000
$500 |
8 months |
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|
|
Rate History: 5.50% → 5.25% |
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|
Abound
Restrictions |
5.25% | $500 | 10 months |
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|
|
Rate History: 2.25% → 2.50% → 2.75% → 5.25% |
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|
Brightstar
Restrictions |
5.25% | $500 | 13 months |
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|
|
Texas Trust
Restrictions |
5.25% | $500 | 13 months |
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|
|
Advancial
Restrictions |
5.25% | $10,000 | 14 months |
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|
|
Texas People
Restrictions |
5.25% | $10,000 | 15 months |
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|
|
Mtc
Restrictions |
5.25% | $10,000 | 15 months |
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|
|
Summit
Restrictions |
5.25% | $5,000 | 22 months |
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|
|
Rate History: 5.25% → 5.35% → 5.25% |
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|
Town And Country
Restrictions |
5.20% | $500 | 11 months |
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|
|
Rate History: 5.40% → 5.20% |
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|
Elements Financial
Restrictions |
5.15% | $1,000 | 8 months |
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|
|
Rate History: 5.50% → 5.05% → 5.15% |
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|
Nuvision
Restrictions |
5.15% | $1,000 | 13 months |
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|
|
Florida Central
Restrictions |
5.15% | $1,000 | 15 months |
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|
|
Rate History: 5.50% → 5.15% |
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|
Power Financial
Restrictions |
5.12% | $2,500 | 5 months |
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|
|
Town & Country
Restrictions |
5.12% | $500 | 12 months |
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|
|
Rate History: 4.54% → 5.38% → 5.12% |
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|
Texas Trust
Restrictions |
5.12% | $500 | 15 months |
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|
|
Chartway
Restrictions |
5.10% | $500 | 13 months |
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|
|
Allegacy
Restrictions |
5.10% | $500 | 14 months |
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|
|
Canvas
Restrictions |
5.00% | $1,000 | 6 months |
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|
|
Rate History: 5.00% → 4.25% → 5.00% → 4.25% → 5.00% |
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|
Elevations
Restrictions |
5.00% | $500 | 7 months |
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|
|
Fairwinds
Restrictions |
5.00% | $1,000 | 7 months |
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|
|
Midflorida
Restrictions |
5.00% | $10,000 | 10 months |
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|
|
Corning
Restrictions |
5.00%
4.80% 4.80% |
$100,000
$2,500 |
11 months |
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|
|
Pima
Restrictions |
5.00% | $250 | 12 months |
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|
|
Rate History: 3.75% → 5.00% |
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|
Texas People
Restrictions |
5.00% | $10,000 | 12 months |
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|
|
Nextmark
Restrictions |
5.00% | $100,000 | 12 months |
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|
|
Complex Community
Restrictions |
5.00% | $500 | 13 months |
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|
|
American Eagle Financial
Restrictions |
5.00% | $500 | 13 months |
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|
|
Affinity
Restrictions |
5.00%
4.00% 3.80% 4.00%3.80% |
$50,000
$100,000 $500 |
14 months |
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|
|
Trustone Financial
|
5.00% | $2,500 | 20 months |
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|
|
Genisys
Restrictions |
4.98% | $500 | 13 months |
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|
|
Rate History: 5.03% → 5.15% → 5.25% → 4.98% |
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|
Everwise
Restrictions |
4.91% | $500 | 13 months |
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|
|
Rate History: 5.27% → 5.25% → 5.33% → 5.17% → 4.91% |
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|
Florida
Restrictions |
4.90% | $1,000 | 7 months |
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|
|
Blupeak
Restrictions |
4.90% | $1,000 | 12 months |
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|
|
Rate History: 5.50% → 5.10% → 4.90% |
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|
Align
Restrictions |
4.86% | $500 | 8 months |
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|
|
Rate History: 5.00% → 5.25% → 5.13% → 5.00% → 4.86% |
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|
Saint Lawrence
Restrictions |
4.85% | $1,000 | 6 months |
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|
|
Rate History: 3.82% → 4.59% → 4.85% |
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|
True Sky
|
4.85% | $10,000 | 7 months |
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|
|
Everwise
Restrictions |
4.85% | $500 | 10 months |
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|
|
Rate History: 5.29% → 5.43% → 5.27% → 5.12% → 4.85% |
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|
Elements Financial
Restrictions |
4.85% | $1,000 | 13 months |
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|
|
Rate History: 5.50% → 5.25% → 5.35% → 4.75% → 4.85% |
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|
New England
Restrictions |
4.85% | $500 | 15 months |
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|
|
Rate History: 4.58% → 4.85% |
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|
Genisys
Restrictions |
4.84% | $500 | 19 months |
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|
|
Rate History: 5.09% → 4.94% → 5.41% → 4.84% |
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|
Mtc
Restrictions |
4.83% | $10,000 | 26 months |
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|
|
Inova
Restrictions |
4.80% | $200 | 12 months |
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|
|
Rate History: 5.50% → 5.00% → 5.40% → 4.75% → 4.80% |
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|
Mtc
Restrictions |
4.78% | $10,000 | 7 months |
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|
|
Allegacy
Restrictions |
4.75% | $500 | 5 months |
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|
|
Rate History: 5.00% → 4.25% → 5.00% → 4.75% |
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|
Blupeak
Restrictions |
4.75% | $1,000 | 6 months |
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|
|
Launch Credit Union
|
4.75% | $1,000 | 6 months |
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|
|
Rate History: 5.00% → 4.75% |
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|
Gulf Winds
Restrictions |
4.75% | $500 | 10 months |
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|
|
Rate History: 5.45% → 5.25% → 5.05% → 5.00% → 4.75% |
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|
Rev
Restrictions |
4.75% | $250 | 12 months |
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|
|
Rate History: 5.00% → 1.75% → 3.75% → 4.75% |
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|
United
Restrictions |
4.75% | $500 | 12 months |
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|
|
Rate History: 5.15% → 4.75% |
||||
|
Midflorida
Restrictions |
4.75% | $1,000 | 12 months |
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|
|
Town And Country
|
4.75%
4.65% 4.65% |
$10,000
$1,000 |
14 months |
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|
|
Tampa Bay
Restrictions |
4.75%
4.50% 4.50% |
$100,000
$50,000 |
18 months |
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|
|
Rate History: 5.25% → 0.75% → 4.75% |
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|
Financial Builders
Restrictions |
4.74% | $500 | 25 months |
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|
|
Rate History: 5.00% → 4.74% |
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|
Dc
Restrictions |
4.73% | $1,000 | 6 months |
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|
|
Rate History: 4.58% → 4.73% |
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|
Genisys
Restrictions |
4.73% | $500 | 25 months |
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|
|
Rate History: 5.15% → 5.51% → 4.98% → 4.84% → 4.73% |
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|
Financial Builders
Restrictions |
4.72% | $500 | 13 months |
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|
|
Rate History: 4.98% → 4.72% |
||||
|
Financial Resources
Restrictions |
4.70% | $500 | 3 months |
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|
|
Rate History: 4.91% → 5.43% → 5.33% → 4.70% |
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|
Logix
Restrictions |
4.70% | $5,000 | 7 months |
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|
|
Texas People
Restrictions |
4.65% | $10,000 | 6 months |
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|
|
Del Norte
Restrictions |
4.65%
4.55% 4.55% |
$100,000
$1,000 |
8 months |
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|
|
Rate History: 5.13% → 4.65% |
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|
East Idaho
Restrictions |
4.65% | $500 | 11 months |
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|
|
Radifi
Restrictions |
4.65%
4.50% 4.50% |
$50,000
$2,000 |
23 months |
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|
|
Dow
Restrictions |
4.60% | $500 | 13 months |
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|
|
Rate History: 4.80% → 4.60% → 4.40% → 4.65% → 4.60% |
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|
Star Of Texas
Restrictions |
4.60% | $1,000 | 18 months |
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|
|
Radifi
Restrictions |
4.55%
4.45% 4.45% |
$50,000
$2,000 |
13 months |
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|
|
Metro
Restrictions |
4.55% | $0 | 15 months |
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|
|
Town And Country
|
4.55%
4.39% 4.39% |
$10,000
$1,000 |
18 months |
Learn More
|
|
Nasa
Restrictions |
4.54% | $10,000 | 15 months |
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|
|
Rate History: 5.15% → 5.25% → 5.40% → 5.05% → 4.54% |
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|
Metro
Restrictions |
4.50% | $0 | 3 months |
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|
|
Premier Members
Restrictions |
4.50% | $500 | 7 months |
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|
|
Rate History: 5.00% → 4.75% → 5.10% → 4.50% |
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|
Safe 1
Restrictions |
4.50% | $1,000 | 7 months |
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|
|
Community First
Restrictions |
4.50% | $5,000 | 10 months |
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|
|
Rate History: 5.20% → 5.05% → 5.00% → 4.75% → 4.50% |
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|
Westerra
Restrictions |
4.50% | $500 | 13 months |
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|
|
Rate History: 4.75% → 4.50% |
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|
Credit Union Of Colorado, A
Restrictions |
4.50% | $500 | 15 months |
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|
|
Rate History: 5.00% → 5.25% → 5.00% → 4.50% |
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|
Fairwinds
Restrictions |
4.50% | $1,000 | 18 months |
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|
|
Transportation
Restrictions |
4.50% | $1,000 | 20 months |
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|
|
Campus Usa
Restrictions |
4.50% | $25,000 | 24 months |
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|
|
Trustone Financial
|
4.50% | $2,500 | 30 months |
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|
|
121 Financial
Restrictions |
4.45% | $25,000 | 5 months |
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|
|
Ent
Restrictions |
4.44% | $500 | 4 months |
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|
|
Rate History: 4.50% → 5.25% → 4.50% → 5.28% → 4.44% |
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|
Star Of Texas
Restrictions |
4.40% | $1,000 | 12 months |
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|
|
Schoolsfirst
Restrictions |
4.40% | $500 | 37 months |
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|
|
Rate History: 4.60% → 4.40% |
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|
Financial Resources
Restrictions |
4.39% | $500 | 7 months |
Learn More
|
|
Rate History: 5.22% → 5.12% → 4.91% → 4.70% → 4.39% |
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|
Del Norte
Restrictions |
4.39%
4.29% 4.29% |
$100,000
$1,000 |
13 months |
Learn More
|
|
Rate History: 5.39% → 5.13% → 4.39% |
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|
Inroads
Restrictions |
4.35% | $500 | 5 months |
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|
|
Rate History: 4.75% → 5.00% → 4.75% → 4.50% → 4.35% |
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|
Launch Credit Union
|
4.35% | $1,000 | 12 months |
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|
|
Rate History: 1.95% → 4.00% → 4.35% |
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|
Homefield
Restrictions |
4.35% | $1,000 | 13 months |
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|
|
Campus Usa
Restrictions |
4.35% | $25,000 | 13 months |
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|
|
Members Choice
Restrictions |
4.35% | $500 | 14 months |
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|
|
Rate History: 5.05% → 5.25% → 4.90% → 4.75% → 4.35% |
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|
Schoolsfirst
Restrictions |
4.35% | $500 | 15 months |
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|
|
Rate History: 4.75% → 4.50% → 4.35% |
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|
East Idaho
Restrictions |
4.33% | $500 | 15 months |
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|
|
Space Coast
Restrictions |
4.32% | $500 | 23 months |
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|
|
Texas People
Restrictions |
4.30% | $10,000 | 3 months |
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|
|
Blupeak
Restrictions |
4.25% | $1,000 | 3 months |
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|
|
Electro Savings
Restrictions |
4.25% | $1,000 | 7 months |
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|
|
General Electric
Restrictions |
4.25% | $0 | 11 months |
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|
|
City
Restrictions |
4.25% | $1,000 | 12 months |
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|
|
Rate History: 5.00% → 4.60% → 4.50% → 4.40% → 4.25% |
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|
Tyndall
Restrictions |
4.25% | $1,000 | 13 months |
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|
|
Rate History: 5.00% → 4.50% → 4.25% |
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|
Partner Colorado
Restrictions |
4.25% | $500 | 18 months |
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|
|
Rate History: 4.25% → 2.50% → 4.25% |
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|
Elements Financial
Restrictions |
4.25% | $1,000 | 18 months |
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|
|
Rate History: 4.50% → 4.75% → 4.25% |
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|
Mccoy
Restrictions |
4.23% | $1,000 | 18 months |
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|
|
Mission
Restrictions |
4.20% | $2,000 | 14 months |
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|
|
Tower
Restrictions |
4.20% | $5,000 | 18 months |
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|
|
Rate History: 4.30% → 4.70% → 4.50% → 4.45% → 4.20% |
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|
American Heritage
Restrictions |
4.15% | $100,000 | 7 months |
Learn More
|
|
Rate History: 5.00% → 4.75% → 4.50% → 4.25% → 4.15% |
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|
Safeamerica
Restrictions |
4.15% | $1,000 | 8 months |
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|
|
Rate History: 4.60% → 4.25% → 4.15% |
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|
Community First
Restrictions |
4.15% | $5,000 | 15 months |
Learn More
|
|
Rate History: 5.05% → 4.75% → 4.25% → 4.60% → 4.15% |
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|
Mccoy
Restrictions |
4.13% | $1,000 | 10 months |
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|
|
University Of Wisconsin
Restrictions |
4.10%
4.05% 4.00% 4.05%4.00% |
$250,000
$10,000 $5,000 |
4 months |
Learn More
|
|
Rate History: 5.15% → 4.60% → 4.35% → 4.10% |
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|
Elevations
Restrictions |
4.10%
4.00% 4.00% |
$100,000
$500 |
13 months |
Learn More
|
|
Air Force
Restrictions |
4.10% | $100,000 | 18 months |
Learn More
|
|
Rate History: 4.55% → 5.05% → 4.25% → 3.80% → 4.10% |
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|
American Heritage
Restrictions |
4.10% | $1,000 | 20 months |
Learn More
|
|
Rate History: 4.85% → 4.75% → 4.50% → 4.10% |
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|
Nasa
Restrictions |
4.09% | $10,000 | 49 months |
Learn More
|
|
Rate History: 4.35% → 4.45% → 4.55% → 4.25% → 4.09% |
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|
Power Financial
Restrictions |
4.06% | $2,500 | 7 months |
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|
|
Greenstate
Restrictions |
4.05% | $1,000 | 23 months |
Learn More
|
|
Rate History: 3.90% → 4.00% → 4.05% |
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|
Westerra
Restrictions |
4.00% | $500 | 5 months |
Learn More
|
|
Rate History: 5.25% → 5.00% → 4.50% → 4.00% |
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|
Mission
Restrictions |
4.00% | $2,000 | 6 months |
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|
|
Bellco
Restrictions |
4.00% | $500 | 13 months |
Learn More
|
|
Rate History: 5.15% → 5.00% → 4.50% → 4.00% |
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|
State Employees Cu Of Maryland, Inc
Restrictions |
4.00% | $500 | 13 months |
Learn More
|
|
Rate History: 5.00% → 4.00% |
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|
Logix
Restrictions |
4.00% | $1,000 | 13 months |
Learn More
|
|
Rate History: 5.00% → 4.75% → 4.50% → 4.00% |
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|
Hanscom
Restrictions |
4.00% | $1,000 | 13 months |
Learn More
|
|
Rate History: 5.25% → 5.00% → 4.75% → 4.50% → 4.00% |
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|
L&n Employees
|
4.00% | $5,000 | 13 months |
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|
|
Safeamerica
Restrictions |
4.00% | $1,000 | 14 months |
Learn More
|
|
Rate History: 4.50% → 4.00% |
||||
|
Premier Members
Restrictions |
4.00% | $500 | 17 months |
Learn More
|
|
Rate History: 4.50% → 5.10% → 4.00% |
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|
Metro
Restrictions |
4.00% | $0 | 18 months |
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|
|
Trustone Financial
Restrictions |
4.00% | $2,500 | 20 months |
Learn More
|
|
Wings Financial
Restrictions |
3.95% | $500 | 12 months |
Learn More
|
|
Rate History: 5.40% → 3.95% |
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|
Greenstate
Restrictions |
3.95% | $1,000 | 49 months |
Learn More
|
|
Rate History: 4.00% → 3.70% → 3.85% → 3.95% |
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|
Bayer Heritage
Restrictions |
3.93% | $100 | 12 months |
Learn More
|
|
Rate History: 5.65% → 5.39% → 4.86% → 4.60% → 3.93% |
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|
Washington State Employees
Restrictions |
3.85% | $250 | 7 months |
Learn More
|
|
Rate History: 4.60% → 4.35% → 3.85% |
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|
University Of Wisconsin
Restrictions |
3.85%
3.80% 3.75% 3.80%3.75% |
$250,000
$10,000 $5,000 |
14 months |
Learn More
|
|
Rate History: 5.05% → 4.35% → 4.10% → 3.85% |
||||
|
Suffolk
Restrictions |
3.80% | $500 | 18 months |
Learn More
|
|
Rate History: 4.50% → 3.80% |
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Wings Financial
Restrictions |
3.80% | $501 | 24 months |
Learn More
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Rate History: 5.35% → 3.80% |
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Credit Human
Restrictions |
3.76% | $5,000 | 12 months |
Learn More
|
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Rate History: 4.40% → 4.30% → 4.20% → 4.11% → 3.76% |
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|
Broadview
Restrictions |
3.75% | $500 | 13 months |
Learn More
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Rate History: 4.50% → 4.75% → 4.65% → 3.75% |
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|
Capital Communications
Restrictions |
3.75% | $500 | 13 months |
Learn More
|
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Rate History: 4.75% → 4.65% → 3.75% |
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|
Jersey Central
Restrictions |
3.75% | $500 | 14 months |
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|
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Olean Area
Restrictions |
3.75% | $500 | 15 months |
Learn More
|
|
Premier Members
Restrictions |
3.75% | $500 | 27 months |
Learn More
|
|
Trustone Financial
Restrictions |
3.75% | $2,500 | 30 months |
Learn More
|
|
Pentagon
Restrictions |
3.65% | $1,000 | 15 months |
Learn More
|
|
Rate History: 5.35% → 4.40% → 4.00% → 3.65% |
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|
Bellco
Restrictions |
3.60% | $500 | 17 months |
Learn More
|
|
Rate History: 5.00% → 4.35% → 3.60% |
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|
Interior Federal Credit Union
|
3.56% | $500 | 18 months |
Learn More
|
|
Rate History: 4.49% → 4.23% → 4.49% → 4.13% → 3.56% |
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|
Associated Credit Union
Restrictions |
3.55% | $500 | 19 months |
Learn More
|
|
Rate History: 4.50% → 4.25% → 4.00% → 3.75% → 3.55% |
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|
Park Community Credit Union, Inc.
Restrictions |
3.50% | $500 | 3 months |
Learn More
|
|
Dfcu Financial
Restrictions |
3.50% | $1,000 | 7 months |
Learn More
|
|
Rate History: 5.15% → 5.00% → 3.50% |
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|
Green Country
Restrictions |
3.50% | $50,000 | 12 months |
Learn More
|
|
Broadview
Restrictions |
3.50% | $500 | 23 months |
Learn More
|
|
Rate History: 4.25% → 4.50% → 4.25% → 3.50% |
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|
Capital Communications
Restrictions |
3.50% | $500 | 23 months |
Learn More
|
|
Rate History: 4.50% → 4.25% → 3.50% |
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|
Harborstone
Restrictions |
3.45% | $5,000 | 15 months |
Learn More
|
|
East Idaho
Restrictions |
3.33% | $500 | 23 months |
Learn More
|
|
Achieva Credit Union
Restrictions |
3.30% | $500 | 17 months |
Learn More
|
|
Rate History: 4.95% → 4.25% → 4.00% → 3.75% → 3.30% |
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|
Town & Country
Restrictions |
3.30% | $500 | 24 months |
Learn More
|
|
Rate History: 5.12% → 3.35% → 3.30% |
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|
Town & Country
Restrictions |
3.25% | $500 | 18 months |
Learn More
|
|
Rate History: 4.86% → 3.30% → 3.25% |
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|
Affinity
Restrictions |
3.25%
3.15% 3.05% 3.15%3.05% |
$100,000
$50,000 $500 |
22 months |
Learn More
|
|
Rate History: 4.00% → 3.50% → 3.25% |
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|
Jersey Central
Restrictions |
3.25% | $500 | 28 months |
Learn More
|
|
Commonwealth One
Restrictions |
3.25%
3.20% 3.15% 3.20%3.15% |
$100,000
$50,000 $0 |
30 months |
Learn More
|
|
Rate History: 3.61% → 3.25% |
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|
Abound
Restrictions |
3.25% | $500 | 59 months |
Learn More
|
|
Rate History: 5.00% → 5.75% → 3.25% |
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|
Ukrainian National
Restrictions |
3.19% | $150,000 | 8 months |
Learn More
|
|
Rate History: 3.34% → 3.19% → 3.09% → 3.19% |
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|
Financial Resources
Restrictions |
3.14% | $500 | 14 months |
Learn More
|
|
Rate History: 5.75% → 5.54% → 3.66% → 3.45% → 3.14% |
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|
Baxter
Restrictions |
3.00% | $500 | 11 months |
Learn More
|
|
Rate History: 4.00% → 3.00% → 2.75% → 3.00% |
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|
Rev
Restrictions |
3.00% | $250 | 24 months |
Learn More
|
|
Rate History: 5.00% → 2.10% → 4.00% → 2.25% → 3.00% |
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|
East Idaho
Restrictions |
2.80% | $500 | 33 months |
Learn More
|
|
Wings Financial
Restrictions |
2.53%
2.37% 2.37% |
$250,000
$500 |
48 months |
Learn More
|
|
Baxter
Restrictions |
2.50% | $500 | 22 months |
Learn More
|
|
Rate History: 3.90% → 2.75% → 3.00% → 2.55% → 2.50% |
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|
Commonwealth One
Restrictions |
2.33% | $50 | 15 months |
Learn More
|
|
Rate History: 2.89% → 2.33% → 2.89% → 2.33% |
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|
Valley
Restrictions |
2.25% | $500 | 24 months |
Learn More
|
|
Mccoy
Restrictions |
2.17% | $1,000 | 13 months |
Learn More
|
|
Rate History: 4.13% → 2.17% |
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|
Mccoy
Restrictions |
2.12% | $1,000 | 15 months |
Learn More
|
|
Rate History: 4.18% → 2.12% |
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|
Baxter
Restrictions |
2.00% | $500 | 65 months |
Learn More
|
|
Rate History: 4.00% → 2.20% → 2.00% |
||||
|
Baxter
Restrictions |
1.80% | $500 | 30 months |
Learn More
|
|
Rate History: 4.50% → 4.25% → 2.05% → 1.90% → 1.80% |
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|
Rev
Restrictions |
1.75% | $250 | 13 months |
Learn More
|
|
Rate History: 5.00% → 4.00% → 3.75% → 2.10% → 1.75% |
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|
Baxter
Restrictions |
1.75% | $500 | 13 months |
Learn More
|
|
Rate History: 2.50% → 2.25% → 2.05% → 1.80% → 1.75% |
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|
Chartway
Restrictions |
1.40% | $500 | 6 months |
Learn More
|
|
Tower
Restrictions |
1.35% | $5,000 | 3 months |
Learn More
|
|
Rate History: 1.35% → 1.40% → 1.35% |
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|
Royal
Restrictions |
1.10% | $0 | 3 months |
Learn More
|
|
Rate History: 5.25% → 1.10% |
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|
Members 1st
Restrictions |
0.85% | $500 | 15 months |
Learn More
|
|
Veridian
Restrictions |
0.50%
0.40% 0.40% |
$100,000
$1,000 |
24 months |
Learn More
|
|
Rate History: 4.70% → 4.85% → 4.85% → 4.70% |
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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.
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