# 4Front Credit Union CD and share certificate rates

As of October 22, 2026, 4Front Credit Union's highest tracked CD (share certificate) rate is 3.45% APY on a 12-month CD ($100,000 minimum). That is 2.0 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.27% to 3.45% APY.

Canonical page: https://apyledger.com/cd-rates/4front-credit-union
Institution: 4front Credit Union (NCUA 61365)
Aliases: 
Status: live
Last verified: 2026-10-23T02:09:19.000Z (October 22, 2026)
Official source: https://www.4frontcu.com/personal/personal-rates/
Coverage: Membership required. Certificates from 6 to 60 months with $1,000 and $100,000 minimums. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 6 months | $1,000 | 2.79% | Not ZIP-priced | −1.61% | 2026-10-23T02:09:19.000Z | [Snapshot 825](https://apyledger.com/snapshots/825) |
| Jumbo Certificate of Deposit | standard | 12 months | $100,000 | 3.45% | Not ZIP-priced | −1.12% | 2026-10-23T02:09:19.000Z | [Snapshot 825](https://apyledger.com/snapshots/825) |
| Certificate of Deposit | standard | 12 months | $1,000 | 3.30% | Not ZIP-priced | −1.27% | 2026-10-23T02:09:19.000Z | [Snapshot 825](https://apyledger.com/snapshots/825) |
| Jumbo Certificate of Deposit | standard | 18 months | $100,000 | 2.43% | Not ZIP-priced | −2.29% | 2026-10-23T02:09:19.000Z | [Snapshot 825](https://apyledger.com/snapshots/825) |
| Certificate of Deposit | standard | 18 months | $1,000 | 2.27% | Not ZIP-priced | −2.45% | 2026-10-23T02:09:19.000Z | [Snapshot 825](https://apyledger.com/snapshots/825) |
| Jumbo Certificate of Deposit | standard | 24 months | $100,000 | 2.94% | Not ZIP-priced | −1.93% | 2026-10-23T02:09:19.000Z | [Snapshot 825](https://apyledger.com/snapshots/825) |
| Certificate of Deposit | standard | 24 months | $1,000 | 2.79% | Not ZIP-priced | −2.08% | 2026-10-23T02:09:19.000Z | [Snapshot 825](https://apyledger.com/snapshots/825) |
| Jumbo Certificate of Deposit | standard | 30 months | $100,000 | 2.43% | Not ZIP-priced | −2.48% | 2026-10-23T02:09:19.000Z | [Snapshot 825](https://apyledger.com/snapshots/825) |
| Certificate of Deposit | standard | 30 months | $1,000 | 2.27% | Not ZIP-priced | −2.64% | 2026-10-23T02:09:19.000Z | [Snapshot 825](https://apyledger.com/snapshots/825) |
| Jumbo Certificate of Deposit | standard | 36 months | $100,000 | 2.94% | Not ZIP-priced | −2.01% | 2026-10-23T02:09:19.000Z | [Snapshot 825](https://apyledger.com/snapshots/825) |
| Certificate of Deposit | standard | 36 months | $1,000 | 2.79% | Not ZIP-priced | −2.16% | 2026-10-23T02:09:19.000Z | [Snapshot 825](https://apyledger.com/snapshots/825) |
| Jumbo Certificate of Deposit | standard | 48 months | $100,000 | 2.43% | Not ZIP-priced | −2.55% | 2026-10-23T02:09:19.000Z | [Snapshot 825](https://apyledger.com/snapshots/825) |
| Certificate of Deposit | standard | 48 months | $1,000 | 2.27% | Not ZIP-priced | −2.71% | 2026-10-23T02:09:19.000Z | [Snapshot 825](https://apyledger.com/snapshots/825) |
| Jumbo Certificate of Deposit | standard | 60 months | $100,000 | 2.43% | Not ZIP-priced | −2.58% | 2026-10-23T02:09:19.000Z | [Snapshot 825](https://apyledger.com/snapshots/825) |
| Certificate of Deposit | standard | 60 months | $1,000 | 2.27% | Not ZIP-priced | −2.74% | 2026-10-23T02:09:19.000Z | [Snapshot 825](https://apyledger.com/snapshots/825) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.