BCU (Baxter Credit Union) CD & Share Certificate Rates — October 2026
As of October 22, 2026, BCU (Baxter Credit Union)'s highest tracked CD (share certificate) rate is 4.30% APY on a 15-month promotional CD. That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.50% to 3.20% APY.
Tracking began .
BCU (Baxter Credit Union) CD & share certificate rates
Membership required. CD specials, new-money CD specials (funds deposited within the last 30 days) and standard certificates, each quoted at a Rewards APY and a lower Regular APY; see the source for Rewards qualifications. IRA certificates are excluded. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Standard CDs - Rewards Relationship | Not stated | 0.60% | −3.69% | Verified October 22, 2026 |
| 3 months | Standard CDs - Regular | Not stated | 0.50% | −3.79% | Verified October 22, 2026 |
| 5 months | New Money CD Specials - Regular Promotional | Not statedsame APY in 2 balance tiers | 4.15% | −0.24% | Verified October 22, 2026 |
| 6 months | Standard CDs - Rewards Relationship | Not stated | 1.35% | −3.05% | Verified October 22, 2026 |
| 6 months | Standard CDs - Regular | Not stated | 1.25% | −3.15% | Verified October 22, 2026 |
| 7 months | No Penalty CDs - Rewards Relationship | Not stated | 3.30% | −1.13% | Verified October 22, 2026 |
| 7 months | No Penalty CDs - Regular | Not stated | 3.20% | −1.23% | Verified October 22, 2026 |
| 11 months | CD Specials - Rewards Relationship | Not stated | 3.70% | −0.84% | Verified October 22, 2026 |
| 11 months | CD Specials - Regular Promotional | Not stated | 3.60% | −0.94% | Verified October 22, 2026 |
| 12 months | Standard CDs - Rewards Relationship | Not stated | 1.40% | −3.17% | Verified October 22, 2026 |
| 12 months | Standard CDs - Regular | Not stated | 1.30% | −3.27% | Verified October 22, 2026 |
| 13 months | No Penalty CDs - Rewards Relationship | Not stated | 3.15% | −1.45% | Verified October 22, 2026 |
| 13 months | No Penalty CDs - Regular | Not stated | 2.89% | −1.71% | Verified October 22, 2026 |
| 15 months | New Money CD Specials - Regular Promotional | Not statedsame APY in 2 balance tiers | 4.30% | −0.35% | Verified October 22, 2026 |
| 18 months | CD Specials - Regular Promotional | Not statedsame APY in 2 balance tiers | 3.80% | −0.92% | Verified October 22, 2026 |
| 22 months | CD Specials - Rewards Relationship | Not stated | 4.00% | −0.82% | Verified October 22, 2026 |
| 22 months | CD Specials - Regular Promotional | Not stated | 3.74% | −1.08% | Verified October 22, 2026 |
| 24 months | Standard CDs - Rewards Relationship | Not stated | 2.60% | −2.27% | Verified October 22, 2026 |
| 24 months | Standard CDs - Regular | Not stated | 2.34% | −2.53% | Verified October 22, 2026 |
| 30 months | CD Specials - Rewards Relationship | Not stated | 4.15% | −0.76% | Verified October 22, 2026 |
| 30 months | CD Specials - Regular Promotional | Not stated | 3.89% | −1.02% | Verified October 22, 2026 |
| 36 months | Standard CDs - Rewards Relationship | Not stated | 2.75% | −2.20% | Verified October 22, 2026 |
| 36 months | Standard CDs - Regular | Not stated | 2.49% | −2.46% | Verified October 22, 2026 |
| 48 months | Standard CDs - Rewards Relationship | Not stated | 2.90% | −2.08% | Verified October 22, 2026 |
| 48 months | Standard CDs - Regular | Not stated | 2.64% | −2.34% | Verified October 22, 2026 |
| 60 months | Standard CDs - Rewards Relationship | Not stated | 3.10% | −1.91% | Verified October 22, 2026 |
| 60 months | Standard CDs - Regular | Not stated | 2.84% | −2.17% | Verified October 22, 2026 |
| 65 months | CD Specials - Rewards Relationship | Not stated | 4.25% | −0.78% | Verified October 22, 2026 |
| 65 months | CD Specials - Regular Promotional | Not stated | 3.99% | −1.04% | Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.30% APY (15 months). The standard rate for a similar term is 2.89% APY (13 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $141 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are BCU (Baxter Credit Union)'s best CD rates by term?
BCU (Baxter Credit Union)'s best rate is 4.30% APY on 15 months, verified October 22, 2026.
- 3 mo0.60%
- 5 mo4.15%
- 6 mo1.35%
- 7 mo3.30%
- 11 mo3.70%
- 12 mo1.40%
- 13 mo3.15%
- 15 mo4.30%
- 18 mo3.80%
- 22 mo4.00%
- 24 mo2.60%
- 30 mo4.15%
- 36 mo2.75%
- 48 mo2.90%
- 60 mo3.10%
- 65 mo4.25%
How much interest could a BCU (Baxter Credit Union) CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
No unambiguous quoted balance tier applies to this amount and term. Check the institution's terms or choose another deposit.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 5 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 6 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 7 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 11 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 12 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 13 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 15 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 18 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 22 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 24 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 30 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 36 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 48 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 60 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 65 months | Not estimated | Not estimated | Not estimated | Not estimated |
How BCU (Baxter Credit Union) compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 456-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 12 of 67 tracked institutions with fresh 456-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| BCU (Baxter Credit Union) (this institution)New Money CD Specials - Regular · Promotional | 15 months | Not stated | Membership required · branches in 15 states | 4.30% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 15 months | $5,000 | Membership required · branches in WI | 5.05% | October 22, 2026 |
| NASA Federal Credit UnionShare Certificate - 15 Month Special · Promotional | 15 months | $10,000 | Membership required · branches in DC, MD, VA | 4.50% | October 22, 2026 |
| Northwest Federal Credit UnionSummer Sizzler Certificate · Promotional | 15 months | $1,000 | Membership required · branches in MD, VA | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 15 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.65% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking BCU (Baxter Credit Union) on October 22, 2026.
About BCU (Baxter Credit Union)
- Legal name
- Baxter Credit Union
- Regulator ID
- NCUA 68187
- Headquarters
- Vernon Hills, IL
- Available in
- AR, CA, FL, GA, IL, IN, MA, MN, MS, NC, OH, PR, UT, VA, WI
- Total assets
- $6.4 billion
- Also known as
- BCU
- Website
- www.bcu.org
Source: rates read from https://www.bcu.org/legal/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at BCU (Baxter Credit Union)?
Among the rates we track, 4.30% APY on a 15-month promotional CD, as of October 22, 2026.
How does BCU (Baxter Credit Union)'s best CD rate compare with Treasury yields?
4.30% APY is −0.35% versus the 15-month Treasury yield of 4.65% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.30% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are BCU (Baxter Credit Union) CDs insured?
BCU (Baxter Credit Union) is a federally insured credit union (NCUA 68187). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at BCU (Baxter Credit Union)?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check BCU (Baxter Credit Union)'s rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from BCU (Baxter Credit Union)'s website and may change at any time. Confirm terms, minimums and eligibility with BCU (Baxter Credit Union) before opening an account. This page is not financial advice.