# Credit Union 1 CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/credit-union-1
Institution: Credit Union 1 (NCUA 68727)
Aliases: 
Status: live
Last verified: 2026-10-23T11:31:55.000Z (October 23, 2026)
Official source: https://www.creditunion1.org/bank/cds/
Coverage: Membership required. Fixed-rate share certificates require $1,000 to open and earn dividends. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-22. 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 (CD) | standard | 6 months | $1,000 | 2.00% | Not ZIP-priced | −2.34% | 2026-10-23T11:31:55.000Z | [Snapshot 1003](https://apyledger.com/snapshots/1003) |
| Share Certificate (CD) | standard | 12 months | $1,000 | 3.25% | Not ZIP-priced | −1.21% | 2026-10-23T11:31:55.000Z | [Snapshot 1003](https://apyledger.com/snapshots/1003) |
| Share Certificate (CD) | standard | 24 months | $1,000 | 3.00% | Not ZIP-priced | −1.70% | 2026-10-23T11:31:55.000Z | [Snapshot 1003](https://apyledger.com/snapshots/1003) |
| Share Certificate (CD) | standard | 36 months | $1,000 | 3.00% | Not ZIP-priced | −1.78% | 2026-10-23T11:31:55.000Z | [Snapshot 1003](https://apyledger.com/snapshots/1003) |
| Share Certificate (CD) | standard | 48 months | $1,000 | 2.75% | Not ZIP-priced | −2.06% | 2026-10-23T11:31:55.000Z | [Snapshot 1003](https://apyledger.com/snapshots/1003) |
| Share Certificate (CD) | standard | 60 months | $1,000 | 2.75% | Not ZIP-priced | −2.09% | 2026-10-23T11:31:55.000Z | [Snapshot 1003](https://apyledger.com/snapshots/1003) |

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.