# Consumers Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/consumers-credit-union
Institution: Consumers Credit Union (NCUA 68588)
Aliases: Consumers CU, myconsumers
Status: live
Last verified: 2026-10-22T10:08:08.000Z (October 22, 2026)
Official source: https://www.myconsumers.org/checking-and-savings/personal-banking/savings-accounts/certificates
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Regular Certificate | standard | 91 days | $250 | 0.50% | Not ZIP-priced | −3.79% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Regular Certificate | standard | 6 months | $250 | 0.65% | Not ZIP-priced | −3.75% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Super Jumbo Certificate | promotional | 7 months | $250,000 | 4.45% | Not ZIP-priced | +0.02% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Jumbo Certificate | promotional | 7 months | $100,000 | 4.40% | Not ZIP-priced | −0.03% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Regular Certificate | promotional | 7 months | $250 | 4.35% | Not ZIP-priced | −0.08% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Super Jumbo Certificate | standard | 12 months | $250,000 | 1.10% | Not ZIP-priced | −3.47% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Jumbo Certificate | standard | 12 months | $100,000 | 1.00% | Not ZIP-priced | −3.57% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Regular Certificate | standard | 12 months | $250 | 0.90% | Not ZIP-priced | −3.67% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Super Jumbo Certificate | promotional | 13 months | $250,000 | 4.45% | Not ZIP-priced | −0.15% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Jumbo Certificate | promotional | 13 months | $100,000 | 4.40% | Not ZIP-priced | −0.20% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Regular Certificate | promotional | 13 months | $250 | 4.35% | Not ZIP-priced | −0.25% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Super Jumbo Certificate | standard | 18 months | $250,000 | 1.19% | Not ZIP-priced | −3.53% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Jumbo Certificate | standard | 18 months | $100,000 | 1.09% | Not ZIP-priced | −3.63% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Regular Certificate | standard | 18 months | $250 | 0.99% | Not ZIP-priced | −3.73% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Super Jumbo Certificate | promotional | 20 months | $250,000 | 3.60% | Not ZIP-priced | −1.17% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Jumbo Certificate | promotional | 20 months | $100,000 | 3.55% | Not ZIP-priced | −1.22% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Regular Certificate | promotional | 20 months | $250 | 3.50% | Not ZIP-priced | −1.27% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Super Jumbo Certificate | standard | 24 months | $250,000 | 1.20% | Not ZIP-priced | −3.67% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Jumbo Certificate | standard | 24 months | $100,000 | 1.10% | Not ZIP-priced | −3.77% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Regular Certificate | standard | 24 months | $250 | 1.00% | Not ZIP-priced | −3.87% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Super Jumbo Certificate | standard | 30 months | $250,000 | 1.39% | Not ZIP-priced | −3.52% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Jumbo Certificate | standard | 30 months | $100,000 | 1.29% | Not ZIP-priced | −3.62% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Regular Certificate | standard | 30 months | $250 | 1.19% | Not ZIP-priced | −3.72% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Super Jumbo Certificate | standard | 36 months | $250,000 | 1.50% | Not ZIP-priced | −3.45% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Jumbo Certificate | standard | 36 months | $100,000 | 1.40% | Not ZIP-priced | −3.55% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Regular Certificate | standard | 36 months | $250 | 1.30% | Not ZIP-priced | −3.65% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Super Jumbo Certificate | standard | 48 months | $250,000 | 1.55% | Not ZIP-priced | −3.43% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Jumbo Certificate | standard | 48 months | $100,000 | 1.45% | Not ZIP-priced | −3.53% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Regular Certificate | standard | 48 months | $250 | 1.35% | Not ZIP-priced | −3.63% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Super Jumbo Certificate | standard | 60 months | $250,000 | 1.70% | Not ZIP-priced | −3.31% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Jumbo Certificate | standard | 60 months | $100,000 | 1.60% | Not ZIP-priced | −3.41% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |
| Regular Certificate | standard | 60 months | $250 | 1.50% | Not ZIP-priced | −3.51% | 2026-10-22T10:08:08.000Z | [Snapshot 216](https://apyledger.com/snapshots/216) |

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.