# BCU (Baxter Credit Union) CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/baxter-credit-union
Institution: Baxter Credit Union (NCUA 68187)
Aliases: BCU
Status: live
Last verified: 2026-10-23T01:36:41.000Z (October 22, 2026)
Official source: https://www.bcu.org/legal/rates
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Standard CDs - Rewards | relationship | 3 months | Not stated | 0.60% | Not ZIP-priced | −3.69% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| Standard CDs - Regular | standard | 3 months | Not stated | 0.50% | Not ZIP-priced | −3.79% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| New Money CD Specials - Regular | promotional | 5 months | Not stated | 4.15% | Not ZIP-priced | −0.24% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| New Money CD Specials - Regular | promotional | 5 months | Not stated | 4.15% | Not ZIP-priced | −0.24% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| Standard CDs - Rewards | relationship | 6 months | Not stated | 1.35% | Not ZIP-priced | −3.05% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| Standard CDs - Regular | standard | 6 months | Not stated | 1.25% | Not ZIP-priced | −3.15% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| No Penalty CDs - Rewards | relationship | 7 months | Not stated | 3.30% | Not ZIP-priced | −1.13% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| No Penalty CDs - Regular | standard | 7 months | Not stated | 3.20% | Not ZIP-priced | −1.23% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| CD Specials - Rewards | relationship | 11 months | Not stated | 3.70% | Not ZIP-priced | −0.84% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| CD Specials - Regular | promotional | 11 months | Not stated | 3.60% | Not ZIP-priced | −0.94% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| Standard CDs - Rewards | relationship | 12 months | Not stated | 1.40% | Not ZIP-priced | −3.17% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| Standard CDs - Regular | standard | 12 months | Not stated | 1.30% | Not ZIP-priced | −3.27% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| No Penalty CDs - Rewards | relationship | 13 months | Not stated | 3.15% | Not ZIP-priced | −1.45% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| No Penalty CDs - Regular | standard | 13 months | Not stated | 2.89% | Not ZIP-priced | −1.71% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| New Money CD Specials - Regular | promotional | 15 months | Not stated | 4.30% | Not ZIP-priced | −0.35% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| New Money CD Specials - Regular | promotional | 15 months | Not stated | 4.30% | Not ZIP-priced | −0.35% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| CD Specials - Regular | promotional | 18 months | Not stated | 3.80% | Not ZIP-priced | −0.92% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| CD Specials - Regular | promotional | 18 months | Not stated | 3.80% | Not ZIP-priced | −0.92% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| CD Specials - Rewards | relationship | 22 months | Not stated | 4.00% | Not ZIP-priced | −0.82% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| CD Specials - Regular | promotional | 22 months | Not stated | 3.74% | Not ZIP-priced | −1.08% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| Standard CDs - Rewards | relationship | 24 months | Not stated | 2.60% | Not ZIP-priced | −2.27% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| Standard CDs - Regular | standard | 24 months | Not stated | 2.34% | Not ZIP-priced | −2.53% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| CD Specials - Rewards | relationship | 30 months | Not stated | 4.15% | Not ZIP-priced | −0.76% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| CD Specials - Regular | promotional | 30 months | Not stated | 3.89% | Not ZIP-priced | −1.02% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| Standard CDs - Rewards | relationship | 36 months | Not stated | 2.75% | Not ZIP-priced | −2.20% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| Standard CDs - Regular | standard | 36 months | Not stated | 2.49% | Not ZIP-priced | −2.46% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| Standard CDs - Rewards | relationship | 48 months | Not stated | 2.90% | Not ZIP-priced | −2.08% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| Standard CDs - Regular | standard | 48 months | Not stated | 2.64% | Not ZIP-priced | −2.34% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| Standard CDs - Rewards | relationship | 60 months | Not stated | 3.10% | Not ZIP-priced | −1.91% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| Standard CDs - Regular | standard | 60 months | Not stated | 2.84% | Not ZIP-priced | −2.17% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| CD Specials - Rewards | relationship | 65 months | Not stated | 4.25% | Not ZIP-priced | −0.78% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |
| CD Specials - Regular | promotional | 65 months | Not stated | 3.99% | Not ZIP-priced | −1.04% | 2026-10-23T01:36:41.000Z | [Snapshot 506](https://apyledger.com/snapshots/506) |

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.