# Community First Credit Union CD and share certificate rates

As of October 22, 2026, Community First Credit Union's highest tracked CD (share certificate) rate is 5.05% APY on a 5-month promotional CD ($5,000 minimum). That is 3.6 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 3.00% to 4.00% APY.

Canonical page: https://apyledger.com/cd-rates/community-first-credit-union
Institution: Community First Credit Union (NCUA 66642)
Aliases: Community First CU
Status: live
Last verified: 2026-10-22T12:04:29.000Z (October 22, 2026)
Official source: https://www.communityfirstcu.org/rates
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 | standard | 3 months | $2,500 | 3.00% | Not ZIP-priced | −1.29% | 2026-10-22T12:04:29.000Z | [Snapshot 252](https://apyledger.com/snapshots/252) |
| CD Special: Pick Your Term | promotional | 5 months | $5,000 | 5.05% | Not ZIP-priced | +0.66% | 2026-10-22T12:04:29.000Z | [Snapshot 252](https://apyledger.com/snapshots/252) |
| 6 Month | standard | 6 months | $2,500 | 3.25% | Not ZIP-priced | −1.15% | 2026-10-22T12:04:29.000Z | [Snapshot 252](https://apyledger.com/snapshots/252) |
| CD Special: Pick Your Term | promotional | 10 months | $5,000 | 5.05% | Not ZIP-priced | +0.54% | 2026-10-22T12:04:29.000Z | [Snapshot 252](https://apyledger.com/snapshots/252) |
| 1 Year | standard | 12 months | $1,000 | 3.65% | Not ZIP-priced | −0.92% | 2026-10-22T12:04:29.000Z | [Snapshot 252](https://apyledger.com/snapshots/252) |
| CD Special: Pick Your Term | promotional | 15 months | $5,000 | 5.05% | Not ZIP-priced | +0.40% | 2026-10-22T12:04:29.000Z | [Snapshot 252](https://apyledger.com/snapshots/252) |
| 18 Month | standard | 18 months | $1,000 | 3.65% | Not ZIP-priced | −1.07% | 2026-10-22T12:04:29.000Z | [Snapshot 252](https://apyledger.com/snapshots/252) |
| 2 Year | standard | 24 months | $1,000 | 3.65% | Not ZIP-priced | −1.22% | 2026-10-22T12:04:29.000Z | [Snapshot 252](https://apyledger.com/snapshots/252) |
| 3 Year | standard | 36 months | $1,000 | 3.80% | Not ZIP-priced | −1.15% | 2026-10-22T12:04:29.000Z | [Snapshot 252](https://apyledger.com/snapshots/252) |
| 5 Year | standard | 60 months | $1,000 | 4.00% | Not ZIP-priced | −1.01% | 2026-10-22T12:04:29.000Z | [Snapshot 252](https://apyledger.com/snapshots/252) |

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.