Consumers Credit Union CD & Share Certificate Rates — October 2026

Also known as Consumers CU, myconsumers.

As of October 22, 2026, Consumers Credit Union's highest CD (share certificate) rate is 4.45% APY on a 7-month promotional CD ($250,000 minimum). That is 3.2 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.50% to 1.70% APY.

Last verified October 22, 2026 from www.myconsumers.org · NCUA-insured credit union · Lake Forest, IL

Tracking began October 22, 2026.

Best APY4.45%7 months, $250,000 min

vs. Treasury+0.02%same-term Treasury 4.43%

vs. national average3.2×FDIC national average 1.39%

After inflation0.71%CPI 3.7% year over year

$10,000 earns$257over 7 months, before tax

Consumers Credit Union CD & share certificate rates

Consumers Credit Union CD rates
Term	Product	Minimum	APY	vs. Treasury
91 days	Regular Certificate	$250	0.50%Verified October 22, 2026	−3.79%
6 months	Regular Certificate	$250	0.65%Verified October 22, 2026	−3.75%
7 months	Super Jumbo Certificate Promotional	$250,000	4.45%Verified October 22, 2026	+0.02%
7 months	Jumbo Certificate Promotional	$100,000	4.40%Verified October 22, 2026	−0.03%
7 months	Regular Certificate Promotional	$250	4.35%Verified October 22, 2026	−0.08%
12 months	Super Jumbo Certificate	$250,000	1.10%Verified October 22, 2026	−3.47%
12 months	Jumbo Certificate	$100,000	1.00%Verified October 22, 2026	−3.57%
12 months	Regular Certificate	$250	0.90%Verified October 22, 2026	−3.67%
13 months	Super Jumbo Certificate Promotional	$250,000	4.45%Verified October 22, 2026	−0.15%
13 months	Jumbo Certificate Promotional	$100,000	4.40%Verified October 22, 2026	−0.20%
13 months	Regular Certificate Promotional	$250	4.35%Verified October 22, 2026	−0.25%
18 months	Super Jumbo Certificate	$250,000	1.19%Verified October 22, 2026	−3.53%
18 months	Jumbo Certificate	$100,000	1.09%Verified October 22, 2026	−3.63%
18 months	Regular Certificate	$250	0.99%Verified October 22, 2026	−3.73%
20 months	Super Jumbo Certificate Promotional	$250,000	3.60%Verified October 22, 2026	−1.17%
20 months	Jumbo Certificate Promotional	$100,000	3.55%Verified October 22, 2026	−1.22%
20 months	Regular Certificate Promotional	$250	3.50%Verified October 22, 2026	−1.27%
24 months	Super Jumbo Certificate	$250,000	1.20%Verified October 22, 2026	−3.67%
24 months	Jumbo Certificate	$100,000	1.10%Verified October 22, 2026	−3.77%
24 months	Regular Certificate	$250	1.00%Verified October 22, 2026	−3.87%
30 months	Super Jumbo Certificate	$250,000	1.39%Verified October 22, 2026	−3.52%
30 months	Jumbo Certificate	$100,000	1.29%Verified October 22, 2026	−3.62%
30 months	Regular Certificate	$250	1.19%Verified October 22, 2026	−3.72%
36 months	Super Jumbo Certificate	$250,000	1.50%Verified October 22, 2026	−3.45%
36 months	Jumbo Certificate	$100,000	1.40%Verified October 22, 2026	−3.55%
36 months	Regular Certificate	$250	1.30%Verified October 22, 2026	−3.65%
48 months	Super Jumbo Certificate	$250,000	1.55%Verified October 22, 2026	−3.43%
48 months	Jumbo Certificate	$100,000	1.45%Verified October 22, 2026	−3.53%
48 months	Regular Certificate	$250	1.35%Verified October 22, 2026	−3.63%
60 months	Super Jumbo Certificate	$250,000	1.70%Verified October 22, 2026	−3.31%
60 months	Jumbo Certificate	$100,000	1.60%Verified October 22, 2026	−3.41%
60 months	Regular Certificate	$250	1.50%Verified October 22, 2026	−3.51%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

Watch the renewal rate

The best promotional rate here is 4.45% APY (7 months). The standard rate for a similar term is 0.65% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $380 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal

What are Consumers Credit Union's best CD rates by term?

Consumers Credit Union's best rate is 4.45% APY on 7 months, verified October 22, 2026.

91 days0.50%
6 mo0.65%
7 mo4.45%
12 mo1.10%
13 mo4.45%
18 mo1.19%
20 mo3.60%
24 mo1.20%
30 mo1.39%
36 mo1.50%
48 mo1.55%
60 mo1.70%

Calculate earnings at 4.45% for 7 months

How much interest could a Consumers Credit Union CD earn?

Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term	$5,000	$10,000	$25,000	$50,000
91 days	$6.220.50% APY · Regular Certificate · Standard	$12.440.50% APY · Regular Certificate · Standard	$31.110.50% APY · Regular Certificate · Standard	$62.210.50% APY · Regular Certificate · Standard
6 months	$16.270.65% APY · Regular Certificate · Standard	$32.540.65% APY · Regular Certificate · Standard	$81.340.65% APY · Regular Certificate · Standard	$162.680.65% APY · Regular Certificate · Standard
7 months	$125.804.35% APY · Regular Certificate · Promotional	$251.604.35% APY · Regular Certificate · Promotional	$628.994.35% APY · Regular Certificate · Promotional	$1,257.984.35% APY · Regular Certificate · Promotional
12 months	$45.000.90% APY · Regular Certificate · Standard	$90.000.90% APY · Regular Certificate · Standard	$225.000.90% APY · Regular Certificate · Standard	$450.000.90% APY · Regular Certificate · Standard
18 months	$74.500.99% APY · Regular Certificate · Standard	$149.000.99% APY · Regular Certificate · Standard	$372.510.99% APY · Regular Certificate · Standard	$745.020.99% APY · Regular Certificate · Standard
24 months	$100.501.00% APY · Regular Certificate · Standard	$201.001.00% APY · Regular Certificate · Standard	$502.501.00% APY · Regular Certificate · Standard	$1,005.001.00% APY · Regular Certificate · Standard
60 months	$386.421.50% APY · Regular Certificate · Standard	$772.841.50% APY · Regular Certificate · Standard	$1,932.101.50% APY · Regular Certificate · Standard	$3,864.201.50% APY · Regular Certificate · Standard

How Consumers Credit Union compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 213-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 1 of 16 tracked institutions with fresh 213-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

Consumers Credit Union CD rate comparison
Institution / benchmark	Term	Minimum	Quote coverage	APY	Verified / source date
Consumers Credit Union (this institution) (highest tracked APY for this term)Super Jumbo Certificate · Promotional	7 months	$250,000	Coverage: IL	4.45%	October 22, 2026
Associated BankCD special · Promotional	7 months	$5,000	Coverage: IA, IL, MN, MO, NE, WI	4.25%	October 22, 2026
EverBankEverBank Performance® CDs · Standard	7 months	Not stated	Nationwide; check eligibility	3.60%	October 22, 2026
Fifth Third Bank7 Month CD Promo · Promotional	7 months	$5,000	Chicago, IL · ZIP 60603	3.40%	October 22, 2026
Treasury (APY-equivalent)	7 months (term-matched estimate)	Depends on purchase method	Federal; interest exempt from state income tax	4.43%	2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking Consumers Credit Union on October 22, 2026.

About Consumers Credit Union

Legal name: Consumers Credit Union
Regulator ID: NCUA 68588
Headquarters: Lake Forest, IL
Available in: IL
Total assets: $4.6 billion
Also known as: Consumers CU, myconsumers
Website: www.myconsumers.org

Source: rates read from https://www.myconsumers.org/checking-and-savings/personal-banking/savings-accounts/certificates. See the page text we read.

Frequently asked questions

What is the highest CD rate at Consumers Credit Union?

4.45% APY on a 7-month promotional CD, as of October 22, 2026.

What is the minimum deposit for a Consumers Credit Union CD?

The lowest minimum we found is $250; jumbo and higher balance tiers start at up to $250,000.

How does Consumers Credit Union's best CD rate compare with Treasury yields?

4.45% APY is +0.02% versus the 7-month Treasury yield of 4.43% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.45% a good CD rate?

It is 3.2 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Consumers Credit Union CDs insured?

Consumers Credit Union is a federally insured credit union (NCUA 68588). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

What is a share certificate at Consumers Credit Union?

A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.

How often is this page updated?

We check Consumers Credit Union's rate page every day. The rates above were last verified on October 22, 2026.

More credit union certificate rates

Rates are copied from Consumers Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Consumers Credit Union before opening an account. This page is not financial advice.