Are you looking for a high-yield investment? If so, you may consider a certificate of deposit (CD) from a credit union. Credit unions often offer the best CD rates and are insured by the National Credit Union Administration (NCUA). This guide will discuss today’s best credit union CD rates and how to find the highest return on your investment.
Earn The Highest Interest Rates On Savings Today
Fixed annuities are almost identical to Certificates of Deposit (CDs) accounts and provide higher interest rates and penalty-free withdrawals for income.
| Term | Insurance Company | APY |
|---|---|---|
| N/A | GreenState Credit Union Savings Account | 5.01% |
| N/A | Ponce Bank | 5.01% |
| 12 Months | Bread Savings CD | 5.20% |
| 27 Months | Sallie Mae CD | 5.15% |
| 48 Months | Americo Fixed Annuity | 5.05% |
| 5 Years | Americo Fixed Annuity | 5.25% |
| 10 Years | American National | 5.45% |
Disclaimer: This is a review. The Annuity Expert is not associated with a bank or credit union. However, fixed annuities are sold at most financial institutions. We aim to help you find the highest interest rates for your retirement savings. We may receive a small referral fee if you purchase something using a link in this article.
Today’s Best Credit Union CD Rates
The following table shows the best credit union CD rates available today.
Popular CD Rates Today
3-Month CD Rates
The following banks and credit unions have the highest CD rates for three months.
| Best 3-Month CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Synchrony Bank | 2.25% APY | 3 Months | $0.00 |
| Popular Direct | 4.10% APY | 3 Months | $10,000.00 |
| TIAA Bank | 4.00% APY | 3 Months | $1,000.00 |
| TotalDirect Bank | 4.00% APY | 3 Months | $25,000.00 |
| Ally | 2.00% APY | 3 Months | $0.00 |
| Bethpage Federal Credit Union | 2.25% APY | 3 Months | $50.00 |
| Teachers Federal Credit Union | 4.50% APY | 3 Months | $1,000.00 |
6-Month CD Rates
The following banks and credit unions have the highest CD rates for six months.
| Best 6-Month CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| CommunityWide FCU | 4.50% APY | 6 Months | $1.000.00 |
| PenFed Credit Union | 2.70% APY | 6 Months | $1,000.00 |
| Synchrony Bank | 4.25% APY | 6 Months | $0.01 |
| Popular Direct | 4.75% APY | 6 Months | $10,000.00 |
| First Internet Bank | 4.52% APY | 6 Months | $1,000.00 |
| Quontic Bank | 3.75% APY | 6 Months | $500.00 |
| Marcus by Goldman Sachs | 3.90% APY | 6 Months | $500.00 |
| Bank5 Connect | 4.75% APY | 6 Months | $1,000.00 |
| Fortera Credit Union | 5.25% APY | 7 Months | $1,000.00 |
| Bask Bank | 5.85% APY | 6 Months | $1,000.00 |
| Live Oak Bank | 4.80% APY | 6 Months | $2,500.00 |
| Brilliant Bank | 5.25% APY | 9 Months | $1,000.00 |
| MYSB Direct | 5.00% APY | 6 Months | $500.00 |
1-Year CD Rates
The following banks and credit unions have the highest CD rates for 12 months.
| Best 12-Month CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 5.05% APY | 12 Months | $1,500.00 |
| First National Bank of America | 4.40% APY | 12 Months | $1,000.00 |
| CommunityWide FCU | 5.00% APY | 12 Months | $1,000.00 |
| PenFed Credit Union | 4.60% APY | 12 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.50% APY | 12 Months | $500.00 |
| Synchrony Bank | 4.50% APY | 12 Months | $0.00 |
| Popular Direct | 5.15% APY | 12 Months | $10,000.00 |
| First Internet Bank of Indiana | 5.06% APY | 12 Months | $1,000.00 |
| Alliant Credit Union | 5.00% APY | 12 Months | $1,000.00 |
| Bethpage Federal Credit Union | 5.00% APY | 12 Months | $50.00 |
| Umbrella Bank | 4.20% APY | 12 Months | $1,000.00 |
| Limelight Bank | 5.15% APY | 12 Months | $1,000.00 |
| CFG Bank | 5.20% APY | 12 Months | $500.00 |
| Rising Bank | 5.00% APY | 12 Months | $1,000.00 |
| America First Credit Union | 5.10% APY | 12 Months | $500.00 |
| Sallie Mae Bank | 4.80% APY | 12 Months | $2,500.00 |
| MYSB Direct | 5.25% APY | 12 Months | $500.00 |
2-Year CD Rates
Banks and credit unions have the highest CD rates for 24 months.
| Best 2-Year CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Synchrony Bank | 4.30% APY | 24 Months | $0.01.00 |
| First National Bank of America | 4.40% APY | 24 Months | $1,000.00 |
| Pentagon Federal Credit Union | 4.45% APY | 24 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.35% APY | 24 Months | $500.00 |
| Credit Human | 5.50% APY | 24 Months | $500.00 |
| North American Savings Bank | 5.13% APY | 24 Months | $5,000.00 |
| Bread Savings | 5.10% APY | 24 Months | $1,500.00 |
| Langley Federal Credit Union | 5.35% APY | 22 Months | $500.00 |
3-Year CD Rates
The following banks and credit unions have the highest CD rates for 36 months.
| Best 3-Year CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 4.50% APY | 36 Months | $1,500.00 |
| Pentagon Federal Credit Union | 4.10% APY | 36 Months | $1,000.00 |
| Synchrony Bank | 4.30% APY | 36 Months | $0.01% |
| First National Bank of America | 4.40% APY | 36 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.30% APY | 36 Months | $500.00 |
| Discover | 4.30% APY | 36 Months | $2,500.00 |
| Popular Direct | 4.45% APY | 36 Months | $10,000.00 |
| Quontic Bank | 4.30% APY | 36 Months | $500.00 |
| Barclays | 4.30% APY | 36 Months | $0.00 |
| Randolph-Brooks Federal Credit Union | 4.35% APY | 36 Months | $20,000.00 |
| Credit Human | 5.50% APY | 24-35 Months | $500.00 |
| First Internet Bank of Indiana | 4.54% APY | 36 Months | $1,000.00 |
| Quorum Federal Credit Union | 5.15% APY | 36 Months | $1,000.00 |
| Summit Credit Union | 4.85% APY | 36 Months | $500.00 |
4-Year CD Rates
The following banks and credit unions have the highest CD rates for 48 months.
| Best 4-Year CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 4.35% APY | 48 Months | $1,500.00 |
| NASA Federal Credit Union | 4.55% APY | 49 Months | $10,000.00 |
| PenFed Credit Union | 3.90% APY | 48 Months | $1,000.00 |
| Synchrony Bank | 4.30% APY | 48 Months | $0.01 |
| First National Bank of America | 4.35% APY | 48 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.00% APY | 48 Months | $500.00 |
| Credit Human | 4.65% APY | 36-59 Months | $500.00 |
| All In Credit Union | 4.49% APY | 48 Months | $1,000.00 |
| University Federal Credit Union | 5.00% APY | 48 Months | $1,000.00 |
5-Year CD Rates
The following banks and credit unions have the highest CD rates for 60 months.
| Best 5-Year CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 4.25% APY | 60 Months | $1,500.00 |
| Popular Direct | 4.50% APY | 60 Months | $10,000.00 |
| Synchrony Bank | 4.30% APY | 60 Months | $0.00 |
| PenFed Credit Union | 3.90% APY | 60 Months | $1,000.00 |
| First National Bank of America | 4.35% APY | 60 Months | $1,000.00 |
| Marcus by Goldman Sachs | 3.80% APY | 60 Months | $500.00 |
| Discover | 4.10% APY | 60 Months | $2,500.00 |
| Connexus Credit Union | 3.51% APY | 60 Months | $5,000.00 |
| Barclays | 4.30% APY | 60 Months | $0.00 |
| BMO Harris | 4.50% APY | 59 Months | $5,000.00 |
| Credit Human | 4.65% APY | 60 Months | $500.00 |
| First Internet Bank of Indiana | 4.49% APY | 60 Months | $1,000.00 |
| All In Credit Union | 5.00% APY | 60 Months | $1,000.00 |
| Lafayette Federal Credit Union | 4.63% APY | 60 Months | $500.00 |
What Are Credit Union CD Rates?
Credit unions are often a good option for finding the best deal on a savings account. Credit unions are nonprofit organizations that their members own. This means they don’t have to answer to shareholders and can offer higher interest rates on savings accounts. Credit union CD rates are often very competitive and may even be higher than what you would find at a traditional bank. If you’re looking for a great rate on a CD, it’s worth checking out your local credit union.
Next Steps
When looking for the best return on your investment, it’s essential to compare CD rates from different banks and credit unions. This will help ensure you get the most out of your money. Our online tool makes it easy to compare credit union CD rates so that you can find the option that is best for you. So contact us today for a quote and start earning more interest on your savings!
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