Credit Union 1 CD & Share Certificate Rates — October 2026
As of October 23, 2026, Credit Union 1's highest tracked CD (share certificate) rate is 3.25% APY on a 12-month CD ($1,000 minimum). That is 1.8 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.00% to 3.25% APY.
Tracking began .
Credit Union 1 CD & share certificate rates
Membership required. Fixed-rate share certificates require $1,000 to open and earn dividends. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | Share Certificate (CD) | $1,000 | 2.00%Free rate alert | −2.34% | Top 81% of tracked 6-month CDs · Verified October 23, 2026 |
| 12 months | Share Certificate (CD) | $1,000 | 3.25%Free rate alert | −1.21% | Top 65% of tracked 12-month CDs · Verified October 23, 2026 |
| 24 months | Share Certificate (CD) | $1,000 | 3.00%Free rate alert | −1.70% | Top 63% of tracked 24-month CDs · Verified October 23, 2026 |
| 36 months | Share Certificate (CD) | $1,000 | 3.00%Free rate alert | −1.78% | Top 59% of tracked 36-month CDs · Verified October 23, 2026 |
| 48 months | Share Certificate (CD) | $1,000 | 2.75%Free rate alert | −2.06% | Top 62% of tracked 48-month CDs · Verified October 23, 2026 |
| 60 months | Share Certificate (CD) | $1,000 | 2.75%Free rate alert | −2.09% | Top 64% of tracked 60-month CDs · Verified October 23, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Credit Union 1's best CD rates by term?
Credit Union 1's best rate is 3.25% APY on 12 months, verified October 23, 2026.
- 6 mo2.00%
- 12 mo3.25%
- 24 mo3.00%
- 36 mo3.00%
- 48 mo2.75%
- 60 mo2.75%
How much interest could a Credit Union 1 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.
$325.00 interest · $10,325.00 at maturity on $10,000.00.
3.25% APY · 12 months · Share Certificate (CD) · Standard · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $49.892.00% APY · Share Certificate (CD) · Standard | $99.782.00% APY · Share Certificate (CD) · Standard | $249.452.00% APY · Share Certificate (CD) · Standard | $498.892.00% APY · Share Certificate (CD) · Standard |
| 12 months | $162.503.25% APY · Share Certificate (CD) · Standard | $325.003.25% APY · Share Certificate (CD) · Standard | $812.503.25% APY · Share Certificate (CD) · Standard | $1,625.003.25% APY · Share Certificate (CD) · Standard |
| 24 months | $304.503.00% APY · Share Certificate (CD) · Standard | $609.003.00% APY · Share Certificate (CD) · Standard | $1,522.503.00% APY · Share Certificate (CD) · Standard | $3,045.003.00% APY · Share Certificate (CD) · Standard |
| 36 months | $463.643.00% APY · Share Certificate (CD) · Standard | $927.273.00% APY · Share Certificate (CD) · Standard | $2,318.173.00% APY · Share Certificate (CD) · Standard | $4,636.353.00% APY · Share Certificate (CD) · Standard |
| 48 months | $573.112.75% APY · Share Certificate (CD) · Standard | $1,146.212.75% APY · Share Certificate (CD) · Standard | $2,865.532.75% APY · Share Certificate (CD) · Standard | $5,731.062.75% APY · Share Certificate (CD) · Standard |
| 60 months | $726.372.75% APY · Share Certificate (CD) · Standard | $1,452.732.75% APY · Share Certificate (CD) · Standard | $3,631.832.75% APY · Share Certificate (CD) · Standard | $7,263.672.75% APY · Share Certificate (CD) · Standard |
How Credit Union 1 compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 288 of 454 tracked institutions with fresh 365-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 Union 1 (this institution)Share Certificate (CD) · Standard | 12 months | $1,000 | Membership required · branches in 9 states | 3.25% | October 23, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| BarclaysOnline CD · Standard | 12 months | Not stated | Available nationwide | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.46% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking Credit Union 1 on October 23, 2026.
About Credit Union 1
- Legal name
- Credit Union 1
- Regulator ID
- NCUA 68727
- Headquarters
- Lombard, IL
- Available in
- FL, GA, IL, IN, MI, MN, ND, NV, WI
- Total assets
- $2.9 billion
- Also known as
- Website
- www.creditunion1.org
Source: rates read from https://www.creditunion1.org/bank/cds/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Credit Union 1?
Among the rates we track, 3.25% APY on a 12-month CD, as of October 23, 2026.
What is the minimum deposit for a Credit Union 1 CD?
The lowest minimum we found is $1,000.
How does Credit Union 1's best CD rate compare with Treasury yields?
3.25% APY is −1.21% versus the 12-month Treasury yield of 4.46% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 3.25% a good CD rate?
It is 1.8 times the FDIC national average for a similar term (1.76% 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 Union 1 CDs insured?
Credit Union 1 is a federally insured credit union (NCUA 68727). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Credit Union 1?
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 Union 1's rate page every day. The rates above were last verified on October 23, 2026.
More credit union certificate rates
Rates are copied from Credit Union 1's website and may change at any time. Confirm terms, minimums and eligibility with Credit Union 1 before opening an account. This page is not financial advice.