# Community Choice Credit Union CD and share certificate rates

As of October 22, 2026, Community Choice Credit Union's highest tracked CD (share certificate) rate is 4.30% APY on a 25-month promotional CD ($500 minimum). That is 2.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 0.10% to 0.50% APY.

Canonical page: https://apyledger.com/cd-rates/community-choice-credit-union
Institution: Community Choice Credit Union (NCUA 64880)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:31.000Z (October 22, 2026)
Official source: https://www.communitychoicecu.com/rates/
Coverage: Membership required. Standard certificates from 3 months to 5 years ($500 minimum) and 7-, 15- and 25-month CD specials. IRA certificates are excluded. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3-Month Certificate | standard | 3 months | $500 | 0.10% | Not ZIP-priced | −4.20% | 2026-10-22T16:21:31.000Z | [Snapshot 329](https://apyledger.com/snapshots/329) |
| 6-Month Certificate | standard | 6 months | $100 | 0.15% | Not ZIP-priced | −4.25% | 2026-10-22T16:21:31.000Z | [Snapshot 329](https://apyledger.com/snapshots/329) |
| CD SPECIAL! 7-Month Certificate | promotional | 7 months | $500 | 4.15% | Not ZIP-priced | −0.28% | 2026-10-22T16:21:31.000Z | [Snapshot 329](https://apyledger.com/snapshots/329) |
| 1-Year Certificate | standard | 12 months | $100 | 0.25% | Not ZIP-priced | −4.32% | 2026-10-22T16:21:31.000Z | [Snapshot 329](https://apyledger.com/snapshots/329) |
| CD SPECIAL! 15-Month Certificate | promotional | 15 months | $500 | 4.26% | Not ZIP-priced | −0.39% | 2026-10-22T16:21:31.000Z | [Snapshot 329](https://apyledger.com/snapshots/329) |
| 2-Year Certificate | standard | 24 months | $500 | 0.30% | Not ZIP-priced | −4.57% | 2026-10-22T16:21:31.000Z | [Snapshot 329](https://apyledger.com/snapshots/329) |
| CD SPECIAL! 25-Month Certificate | promotional | 25 months | $500 | 4.30% | Not ZIP-priced | −0.57% | 2026-10-22T16:21:31.000Z | [Snapshot 329](https://apyledger.com/snapshots/329) |
| 3-Year Certificate | standard | 36 months | $500 | 0.35% | Not ZIP-priced | −4.60% | 2026-10-22T16:21:31.000Z | [Snapshot 329](https://apyledger.com/snapshots/329) |
| 4-Year Certificate | standard | 48 months | $500 | 0.40% | Not ZIP-priced | −4.58% | 2026-10-22T16:21:31.000Z | [Snapshot 329](https://apyledger.com/snapshots/329) |
| 5-Year Certificate | standard | 60 months | $500 | 0.50% | Not ZIP-priced | −4.51% | 2026-10-22T16:21:31.000Z | [Snapshot 329](https://apyledger.com/snapshots/329) |

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.