# AmeriCU Credit Union CD and share certificate rates

As of October 22, 2026, AmeriCU Credit Union's highest tracked CD (share certificate) rate is 4.50% APY on a 3-month CD ($50 minimum). That is 3.9 times the FDIC national average for 3-month CDs (1.14%). Standard CD rates range from 3.50% to 4.50% APY.

Canonical page: https://apyledger.com/cd-rates/americu-credit-union
Institution: Americu Credit Union (NCUA 68433)
Aliases: 
Status: live
Last verified: 2026-10-22T16:20:45.000Z (October 22, 2026)
Official source: https://www.americu.org/current-rates/
Coverage: Membership required. Share certificates from 3 to 60 months ($50 minimum for terms up to 12 months, $500 for longer terms) and an 18-month certificate special ($500). IRA certificates are excluded. Early withdrawal penalties 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month Certificate | standard | 3 months | $50 | 4.50% | Not ZIP-priced | +0.21% | 2026-10-22T16:20:45.000Z | [Snapshot 305](https://apyledger.com/snapshots/305) |
| 6 Month Certificate | standard | 6 months | $50 | 4.50% | Not ZIP-priced | +0.10% | 2026-10-22T16:20:45.000Z | [Snapshot 305](https://apyledger.com/snapshots/305) |
| 12 Month Certificate | standard | 12 months | $50 | 4.50% | Not ZIP-priced | −0.07% | 2026-10-22T16:20:45.000Z | [Snapshot 305](https://apyledger.com/snapshots/305) |
| Share Certificate Special | promotional | 18 months | $500 | 4.00% | Not ZIP-priced | −0.72% | 2026-10-22T16:20:45.000Z | [Snapshot 305](https://apyledger.com/snapshots/305) |
| 24 Month Certificate | standard | 24 months | $500 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T16:20:45.000Z | [Snapshot 305](https://apyledger.com/snapshots/305) |
| 36 Month Certificate | standard | 36 months | $500 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-22T16:20:45.000Z | [Snapshot 305](https://apyledger.com/snapshots/305) |
| 48 Month Certificate | standard | 48 months | $500 | 3.50% | Not ZIP-priced | −1.48% | 2026-10-22T16:20:45.000Z | [Snapshot 305](https://apyledger.com/snapshots/305) |
| 60 Month Certificate | standard | 60 months | $500 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T16:20:45.000Z | [Snapshot 305](https://apyledger.com/snapshots/305) |

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.