# Ascend Federal Credit Union CD and share certificate rates

As of October 22, 2026, Ascend Federal Credit Union's highest tracked CD (share certificate) rate is 4.25% APY on a 12-month CD ($100,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.66% to 4.25% APY.

Canonical page: https://apyledger.com/cd-rates/ascend-federal-credit-union
Institution: Ascend Federal Credit Union (NCUA 7397)
Aliases: 
Status: live
Last verified: 2026-10-23T01:35:47.000Z (October 22, 2026)
Official source: https://ascend.org/consumer-accounts/certificates
Coverage: Membership required. Regular fixed-rate share certificates only, including jumbo tiers. Minimum deposits vary by term from $500 to $1,000; jumbo certificates require $100,000. Member’s Advantage, Home Purchase variable-rate and IRA-only certificates are outside this collection scope. Rates for $100,000 or more may be negotiated. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 3 months | $1,000 | 3.66% | Not ZIP-priced | −0.63% | 2026-10-23T01:35:47.000Z | [Snapshot 476](https://apyledger.com/snapshots/476) |
| Jumbo Share Certificate | standard | 6 months | $100,000 | 3.87% | Not ZIP-priced | −0.53% | 2026-10-23T01:35:47.000Z | [Snapshot 476](https://apyledger.com/snapshots/476) |
| Share Certificate | standard | 6 months | $500 | 3.82% | Not ZIP-priced | −0.58% | 2026-10-23T01:35:47.000Z | [Snapshot 476](https://apyledger.com/snapshots/476) |
| Jumbo Share Certificate | standard | 12 months | $100,000 | 4.25% | Not ZIP-priced | −0.32% | 2026-10-23T01:35:47.000Z | [Snapshot 476](https://apyledger.com/snapshots/476) |
| Share Certificate | standard | 12 months | $500 | 4.20% | Not ZIP-priced | −0.37% | 2026-10-23T01:35:47.000Z | [Snapshot 476](https://apyledger.com/snapshots/476) |
| Share Certificate | standard | 18 months | $1,000 | 3.97% | Not ZIP-priced | −0.75% | 2026-10-23T01:35:47.000Z | [Snapshot 476](https://apyledger.com/snapshots/476) |
| Jumbo Share Certificate | standard | 24 months | $100,000 | 4.07% | Not ZIP-priced | −0.80% | 2026-10-23T01:35:47.000Z | [Snapshot 476](https://apyledger.com/snapshots/476) |
| Share Certificate | standard | 24 months | $1,000 | 4.02% | Not ZIP-priced | −0.85% | 2026-10-23T01:35:47.000Z | [Snapshot 476](https://apyledger.com/snapshots/476) |
| Share Certificate | standard | 36 months | $1,000 | 3.92% | Not ZIP-priced | −1.03% | 2026-10-23T01:35:47.000Z | [Snapshot 476](https://apyledger.com/snapshots/476) |
| Share Certificate | standard | 48 months | $1,000 | 3.97% | Not ZIP-priced | −1.01% | 2026-10-23T01:35:47.000Z | [Snapshot 476](https://apyledger.com/snapshots/476) |
| Share Certificate | standard | 60 months | $1,000 | 4.07% | Not ZIP-priced | −0.94% | 2026-10-23T01:35:47.000Z | [Snapshot 476](https://apyledger.com/snapshots/476) |

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.