# Beginnings Credit Union CD and share certificate rates

As of October 22, 2026, Beginnings Credit Union's highest tracked CD (share certificate) rate is 3.75% APY on a 6-month CD ($100,000 minimum). That is 2.7 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 3.00% to 3.75% APY.

Canonical page: https://apyledger.com/cd-rates/beginnings-credit-union
Institution: Beginnings Credit Union (NCUA 68322)
Aliases: 
Status: live
Last verified: 2026-10-23T02:09:28.000Z (October 22, 2026)
Official source: https://www.beginnings.com/personal/deposit-accounts/certificates
Coverage: Membership required. Plus certificates from 3 to 60 months with $500, $25,000 and higher minimums to open and earn the APY; rates are fixed for the initial term. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate | standard | 3 months | $100,000 | 3.25% | Not ZIP-priced | −1.04% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 3 months | $25,000 | 3.10% | Not ZIP-priced | −1.19% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 3 months | $500 | 3.00% | Not ZIP-priced | −1.29% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 6 months | $100,000 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 6 months | $25,000 | 3.60% | Not ZIP-priced | −0.80% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 6 months | $500 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 12 months | $100,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 12 months | $25,000 | 3.60% | Not ZIP-priced | −0.97% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 12 months | $500 | 3.50% | Not ZIP-priced | −1.07% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 24 months | $100,000 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 24 months | $25,000 | 3.60% | Not ZIP-priced | −1.27% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 24 months | $500 | 3.50% | Not ZIP-priced | −1.37% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 36 months | $100,000 | 3.60% | Not ZIP-priced | −1.35% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 36 months | $25,000 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 36 months | $500 | 3.40% | Not ZIP-priced | −1.55% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 48 months | $100,000 | 3.60% | Not ZIP-priced | −1.38% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 48 months | $25,000 | 3.50% | Not ZIP-priced | −1.48% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 48 months | $500 | 3.40% | Not ZIP-priced | −1.58% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 60 months | $100,000 | 3.60% | Not ZIP-priced | −1.41% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 60 months | $25,000 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |
| Certificate | standard | 60 months | $500 | 3.40% | Not ZIP-priced | −1.61% | 2026-10-23T02:09:28.000Z | [Snapshot 833](https://apyledger.com/snapshots/833) |

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.