# Communication Federal Credit Union CD and share certificate rates

As of October 22, 2026, Communication Federal Credit Union's highest tracked CD (share certificate) rate is 4.35% APY on a 13-month promotional CD ($1,000 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.95% to 4.35% APY.

Canonical page: https://apyledger.com/cd-rates/communication-federal-credit-union
Institution: Communication Federal Credit Union (NCUA 3454)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:28.000Z (October 22, 2026)
Official source: https://www.comfedcu.org/savings/certificates/
Coverage: Membership required. Fixed-rate share certificates from 6 months to 5 years and 9- and 13-month certificate specials; $1,000 minimum deposit. Specials mature into standard terms. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6 Month IRA/Share Certificate | standard | 6 months | $1,000 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-22T16:21:28.000Z | [Snapshot 328](https://apyledger.com/snapshots/328) |
| 9 Month IRA/Share Certificate Special | promotional | 9 months | $1,000 | 3.90% | Not ZIP-priced | −0.58% | 2026-10-22T16:21:28.000Z | [Snapshot 328](https://apyledger.com/snapshots/328) |
| 1 Year IRA/Share Certificate | standard | 12 months | $1,000 | 2.95% | Not ZIP-priced | −1.62% | 2026-10-22T16:21:28.000Z | [Snapshot 328](https://apyledger.com/snapshots/328) |
| 13 Month IRA/Share Certificate Special | promotional | 13 months | $1,000 | 4.35% | Not ZIP-priced | −0.25% | 2026-10-22T16:21:28.000Z | [Snapshot 328](https://apyledger.com/snapshots/328) |
| 18 Month IRA/Share Certificate | standard | 18 months | $1,000 | 4.35% | Not ZIP-priced | −0.37% | 2026-10-22T16:21:28.000Z | [Snapshot 328](https://apyledger.com/snapshots/328) |
| 2 Year IRA/Share Certificate | standard | 24 months | $1,000 | 3.60% | Not ZIP-priced | −1.27% | 2026-10-22T16:21:28.000Z | [Snapshot 328](https://apyledger.com/snapshots/328) |
| 3 Year IRA/Share Certificate | standard | 36 months | $1,000 | 3.25% | Not ZIP-priced | −1.70% | 2026-10-22T16:21:28.000Z | [Snapshot 328](https://apyledger.com/snapshots/328) |
| 4 Year IRA/Share Certificate | standard | 48 months | $1,000 | 3.10% | Not ZIP-priced | −1.88% | 2026-10-22T16:21:28.000Z | [Snapshot 328](https://apyledger.com/snapshots/328) |
| 5 Year IRA/Share Certificate | standard | 60 months | $1,000 | 3.10% | Not ZIP-priced | −1.91% | 2026-10-22T16:21:28.000Z | [Snapshot 328](https://apyledger.com/snapshots/328) |

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.