Credit Human Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Credit Human Federal Credit Union's highest tracked CD (share certificate) rate is 4.05% APY on a 120-month CD ($500 minimum). That is 2.9 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 3.05% to 4.05% APY.
Tracking began .
Credit Human Federal Credit Union CD & share certificate rates
Membership required. Share certificates from 3 to 120 months with a $500 minimum; term ranges are shown at their lower bound. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Share Certificate | $500 | 3.05% | −1.25% | Top 39% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | Share Certificate | $500 | 3.80% | −0.60% | Top 26% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | Share Certificate | $500 | 3.95% | −0.62% | Top 30% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Liquid Share Certificate | $5,000 | 3.64% | −0.93% | Top 50% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Sustainable Share Certificate | $500same APY in 2 balance tiers | 3.95% | −0.77% | Top 32% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate | $500 | 3.96% | −0.91% | Top 27% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Share Certificate | $500 | 3.98% | −0.97% | Top 21% of tracked 36-month CDs · Verified October 22, 2026 |
| 60 months | Share Certificate | $500 | 4.00% | −1.01% | Top 21% of tracked 60-month CDs · Verified October 22, 2026 |
| 84 months | Share Certificate | $500 | 4.02% | −1.07% | Verified October 22, 2026 |
| 120 months | Share Certificate | $500 | 4.05% | −1.15% | Verified October 22, 2026 |
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.
What are Credit Human Federal Credit Union's best CD rates by term?
Credit Human Federal Credit Union's best rate is 4.05% APY on 120 months, verified October 22, 2026.
- 3 mo3.05%
- 6 mo3.80%
- 12 mo3.95%
- 18 mo3.95%
- 24 mo3.96%
- 36 mo3.98%
- 60 mo4.00%
- 84 mo4.02%
- 120 mo4.05%
How much interest could a Credit Human Federal 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.
$4,873.76 interest · $14,873.76 at maturity on $10,000.00.
4.05% APY · 120 months · Share Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $37.593.05% APY · Share Certificate · Standard | $75.193.05% APY · Share Certificate · Standard | $187.963.05% APY · Share Certificate · Standard | $375.933.05% APY · Share Certificate · Standard |
| 6 months | $94.373.80% APY · Share Certificate · Standard | $188.753.80% APY · Share Certificate · Standard | $471.873.80% APY · Share Certificate · Standard | $943.753.80% APY · Share Certificate · Standard |
| 12 months | $197.503.95% APY · Share Certificate · Standard | $395.003.95% APY · Share Certificate · Standard | $987.503.95% APY · Share Certificate · Standard | $1,975.003.95% APY · Share Certificate · Standard |
| 18 months | $299.443.95% APY · Sustainable Share Certificate · Standard | $598.883.95% APY · Sustainable Share Certificate · Standard | $1,497.193.95% APY · Sustainable Share Certificate · Standard | $2,994.383.95% APY · Sustainable Share Certificate · Standard |
| 24 months | $403.843.96% APY · Share Certificate · Standard | $807.683.96% APY · Share Certificate · Standard | $2,019.203.96% APY · Share Certificate · Standard | $4,038.413.96% APY · Share Certificate · Standard |
| 36 months | $621.083.98% APY · Share Certificate · Standard | $1,242.153.98% APY · Share Certificate · Standard | $3,105.383.98% APY · Share Certificate · Standard | $6,210.763.98% APY · Share Certificate · Standard |
| 60 months | $1,083.264.00% APY · Share Certificate · Standard | $2,166.534.00% APY · Share Certificate · Standard | $5,416.324.00% APY · Share Certificate · Standard | $10,832.654.00% APY · Share Certificate · Standard |
| 84 months | $1,588.524.02% APY · Share Certificate · Standard | $3,177.044.02% APY · Share Certificate · Standard | $7,942.614.02% APY · Share Certificate · Standard | $15,885.214.02% APY · Share Certificate · Standard |
| 120 months | $2,436.884.05% APY · Share Certificate · Standard | $4,873.764.05% APY · Share Certificate · Standard | $12,184.414.05% APY · Share Certificate · Standard | $24,368.814.05% APY · Share Certificate · Standard |
How Credit Human Federal 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 3650-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 3 of 12 tracked institutions with fresh 3650-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Credit Human Federal Credit Union (this institution)Share Certificate · Standard | 120 months | $500 | Membership required · branches in LA, NC, TX, WA | 4.05% | October 22, 2026 |
| Bank of AmericaFixed Term CD · Standard | 120 months | $1,000 | Dallas, TX · ZIP 75201 | 0.03% | October 22, 2026 |
| PNC BankPNC Fixed Rate CD · Standard | 120 months | $25,000 | Houston, TX · ZIP 77002 | 0.03% | October 22, 2026 |
| First National Bank of America (highest tracked APY for this term)Certificate of Deposit (CD) · Standard | 120 months | $1,000 | Branches in MI | 4.75% | October 22, 2026 |
| Treasury (APY-equivalent) | 120 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.20% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Credit Human Federal Credit Union on October 22, 2026.
About Credit Human Federal Credit Union
- Legal name
- Credit Human Federal Credit Union
- Regulator ID
- NCUA 24382
- Headquarters
- San Antonio, TX
- Available in
- LA, NC, TX, WA
- Total assets
- $4.3 billion
- Also known as
- Website
- www.credithuman.com
Source: rates read from https://credithuman.com/rates?hsLang=en. See the page text we read.
Frequently asked questions
What is the highest CD rate at Credit Human Federal Credit Union?
Among the rates we track, 4.05% APY on a 120-month CD, as of October 22, 2026.
What is the minimum deposit for a Credit Human Federal Credit Union CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $5,000.
How does Credit Human Federal Credit Union's best CD rate compare with Treasury yields?
4.05% APY is −1.15% versus the 120-month Treasury yield of 5.20% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.05% a good CD rate?
It is 2.9 times the FDIC national average for a similar term (1.41% 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 Credit Human Federal Credit Union CDs insured?
Credit Human Federal Credit Union is a federally insured credit union (NCUA 24382). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Credit Human Federal 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 Credit Human Federal 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 Credit Human Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Credit Human Federal Credit Union before opening an account. This page is not financial advice.