# Affinity Plus Federal Credit Union CD and share certificate rates

As of October 22, 2026, Affinity Plus Federal Credit Union's highest tracked CD (share certificate) rate is 4.50% APY on a 60-month CD ($500 minimum). That is 3.2 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 1.00% to 4.50% APY.

Canonical page: https://apyledger.com/cd-rates/affinity-plus-federal-credit-union
Institution: Affinity Plus Federal Credit Union (NCUA 24362)
Aliases: 
Status: live
Last verified: 2026-10-23T02:09:26.000Z (October 22, 2026)
Official source: https://www.affinityplus.org/rates/personal-certificates
Coverage: Membership required. Personal certificates from 3 to 66 months with a $500 minimum; some terms are also available as IRAs. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Basic Certificate | standard | 3 months | $500 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-23T02:09:26.000Z | [Snapshot 831](https://apyledger.com/snapshots/831) |
| Basic Certificate | standard | 6 months | $500 | 3.80% | Not ZIP-priced | −0.60% | 2026-10-23T02:09:26.000Z | [Snapshot 831](https://apyledger.com/snapshots/831) |
| Basic Certificate | standard | 9 months | $500 | 3.90% | Not ZIP-priced | −0.58% | 2026-10-23T02:09:26.000Z | [Snapshot 831](https://apyledger.com/snapshots/831) |
| Basic Certificate | standard | 12 months | $500 | 3.80% | Not ZIP-priced | −0.77% | 2026-10-23T02:09:26.000Z | [Snapshot 831](https://apyledger.com/snapshots/831) |
| Wahoo Certificate | standard | 12 months | Not stated | 1.00% | Not ZIP-priced | −3.57% | 2026-10-23T02:09:26.000Z | [Snapshot 831](https://apyledger.com/snapshots/831) |
| Certificate Builder | standard | 12 months | $100 | 1.00% | Not ZIP-priced | −3.57% | 2026-10-23T02:09:26.000Z | [Snapshot 831](https://apyledger.com/snapshots/831) |
| Basic Certificate | standard | 13 months | $500 | 4.25% | Not ZIP-priced | −0.35% | 2026-10-23T02:09:26.000Z | [Snapshot 831](https://apyledger.com/snapshots/831) |
| Basic Certificate | standard | 18 months | $500 | 4.35% | Not ZIP-priced | −0.37% | 2026-10-23T02:09:26.000Z | [Snapshot 831](https://apyledger.com/snapshots/831) |
| Basic Certificate | standard | 24 months | $500 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-23T02:09:26.000Z | [Snapshot 831](https://apyledger.com/snapshots/831) |
| Basic Certificate | standard | 30 months | $500 | 4.45% | Not ZIP-priced | −0.46% | 2026-10-23T02:09:26.000Z | [Snapshot 831](https://apyledger.com/snapshots/831) |
| Basic Certificate | standard | 36 months | $500 | 4.00% | Not ZIP-priced | −0.95% | 2026-10-23T02:09:26.000Z | [Snapshot 831](https://apyledger.com/snapshots/831) |
| Basic Certificate | standard | 42 months | $500 | 3.70% | Not ZIP-priced | −1.27% | 2026-10-23T02:09:26.000Z | [Snapshot 831](https://apyledger.com/snapshots/831) |
| Basic Certificate | standard | 48 months | $500 | 4.00% | Not ZIP-priced | −0.98% | 2026-10-23T02:09:26.000Z | [Snapshot 831](https://apyledger.com/snapshots/831) |
| Basic Certificate | standard | 54 months | $500 | 3.75% | Not ZIP-priced | −1.25% | 2026-10-23T02:09:26.000Z | [Snapshot 831](https://apyledger.com/snapshots/831) |
| Basic Certificate | standard | 60 months | $500 | 4.50% | Not ZIP-priced | −0.51% | 2026-10-23T02:09:26.000Z | [Snapshot 831](https://apyledger.com/snapshots/831) |
| Basic Certificate | standard | 66 months | $500 | 3.75% | Not ZIP-priced | −1.28% | 2026-10-23T02:09:26.000Z | [Snapshot 831](https://apyledger.com/snapshots/831) |

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.