# Credit Human Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/credit-human-federal-credit-union
Institution: Credit Human Federal Credit Union (NCUA 24382)
Aliases: 
Status: live
Last verified: 2026-10-23T02:09:39.000Z (October 22, 2026)
Official source: https://credithuman.com/rates?hsLang=en
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 3 months | $500 | 3.05% | Not ZIP-priced | −1.25% | 2026-10-23T02:09:39.000Z | [Snapshot 840](https://apyledger.com/snapshots/840) |
| Share Certificate | standard | 6 months | $500 | 3.80% | Not ZIP-priced | −0.60% | 2026-10-23T02:09:39.000Z | [Snapshot 840](https://apyledger.com/snapshots/840) |
| Share Certificate | standard | 12 months | $500 | 3.95% | Not ZIP-priced | −0.62% | 2026-10-23T02:09:39.000Z | [Snapshot 840](https://apyledger.com/snapshots/840) |
| Liquid Share Certificate | standard | 12 months | $5,000 | 3.64% | Not ZIP-priced | −0.93% | 2026-10-23T02:09:39.000Z | [Snapshot 840](https://apyledger.com/snapshots/840) |
| Sustainable Share Certificate | standard | 18 months | $500 | 3.95% | Not ZIP-priced | −0.77% | 2026-10-23T02:09:39.000Z | [Snapshot 840](https://apyledger.com/snapshots/840) |
| Sustainable Share Certificate | standard | 18 months | $500 | 3.95% | Not ZIP-priced | −0.77% | 2026-10-23T02:09:39.000Z | [Snapshot 840](https://apyledger.com/snapshots/840) |
| Share Certificate | standard | 24 months | $500 | 3.96% | Not ZIP-priced | −0.91% | 2026-10-23T02:09:39.000Z | [Snapshot 840](https://apyledger.com/snapshots/840) |
| Share Certificate | standard | 36 months | $500 | 3.98% | Not ZIP-priced | −0.97% | 2026-10-23T02:09:39.000Z | [Snapshot 840](https://apyledger.com/snapshots/840) |
| Share Certificate | standard | 60 months | $500 | 4.00% | Not ZIP-priced | −1.01% | 2026-10-23T02:09:39.000Z | [Snapshot 840](https://apyledger.com/snapshots/840) |
| Share Certificate | standard | 84 months | $500 | 4.02% | Not ZIP-priced | −1.07% | 2026-10-23T02:09:39.000Z | [Snapshot 840](https://apyledger.com/snapshots/840) |
| Share Certificate | standard | 120 months | $500 | 4.05% | Not ZIP-priced | −1.15% | 2026-10-23T02:09:39.000Z | [Snapshot 840](https://apyledger.com/snapshots/840) |

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.