Credit Union of America CD & Share Certificate Rates — October 2026
As of October 23, 2026, Credit Union of America's highest tracked CD (share certificate) rate is 4.30% APY on a 25-month promotional CD ($500 minimum). That is 2.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 1.40% to 3.50% APY.
Tracking began .
Credit Union of America CD & share certificate rates
Membership required. Standard, special, add-on and bump-up certificates have different opening minimums; higher deposits may require approval. Early withdrawal penalties may apply.
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.
Watch the renewal rate
The best promotional rate here is 4.30% APY (25 months). The standard rate for a similar term is 3.50% APY (24 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $80 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Credit Union of America's best CD rates by term?
Credit Union of America's best rate is 4.30% APY on 25 months, verified October 23, 2026.
- 3 mo1.40%
- 6 mo1.55%
- 12 mo3.25%
- 18 mo2.75%
- 24 mo3.50%
- 25 mo4.30%
- 30 mo2.75%
- 36 mo3.50%
- 48 mo3.25%
- 60 mo3.50%
How much interest could a Credit Union of America 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.
$916.20 interest · $10,916.20 at maturity on $10,000.00.
4.30% APY · 25 months · 25-Month Special · Promotional · 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 |
|---|---|---|---|---|
| 3 months | $17.361.40% APY · Share Certificate · Standard | $34.721.40% APY · Share Certificate · Standard | $86.811.40% APY · Share Certificate · Standard | $173.611.40% APY · Share Certificate · Standard |
| 6 months | $38.711.55% APY · Share Certificate · Standard | $77.411.55% APY · Share Certificate · Standard | $193.541.55% APY · Share Certificate · Standard | $387.071.55% APY · Share Certificate · Standard |
| 12 months | $162.503.25% APY · Share Certificate · Standard | $325.003.25% APY · Share Certificate · Standard | $812.503.25% APY · Share Certificate · Standard | $1,625.003.25% APY · Share Certificate · Standard |
| 18 months | $207.862.75% APY · Share Certificate · Standard | $415.712.75% APY · Share Certificate · Standard | $1,039.282.75% APY · Share Certificate · Standard | $2,078.552.75% APY · Share Certificate · Standard |
| 24 months | $356.123.50% APY · Share Certificate · Standard | $712.253.50% APY · Share Certificate · Standard | $1,780.623.50% APY · Share Certificate · Standard | $3,561.253.50% APY · Share Certificate · Standard |
| 25 months | $458.104.30% APY · 25-Month Special · Promotional | $916.204.30% APY · 25-Month Special · Promotional | $2,290.504.30% APY · 25-Month Special · Promotional | $4,580.994.30% APY · 25-Month Special · Promotional |
| 30 months | $351.072.75% APY · 30-Month Bump-Up · Standard | $702.142.75% APY · 30-Month Bump-Up · Standard | $1,755.362.75% APY · 30-Month Bump-Up · Standard | $3,510.712.75% APY · 30-Month Bump-Up · Standard |
| 36 months | $543.593.50% APY · Share Certificate · Standard | $1,087.183.50% APY · Share Certificate · Standard | $2,717.953.50% APY · Share Certificate · Standard | $5,435.893.50% APY · Share Certificate · Standard |
| 48 months | $682.383.25% APY · Share Certificate · Standard | $1,364.763.25% APY · Share Certificate · Standard | $3,411.903.25% APY · Share Certificate · Standard | $6,823.803.25% APY · Share Certificate · Standard |
| 60 months | $938.433.50% APY · Share Certificate · Standard | $1,876.863.50% APY · Share Certificate · Standard | $4,692.163.50% APY · Share Certificate · Standard | $9,384.323.50% APY · Share Certificate · Standard |
How Credit Union of America compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 760-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 5 of 21 tracked institutions with fresh 760-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 of America (this institution)25-Month Special · Promotional | 25 months | $500 | Membership required · branches in KS | 4.30% | October 23, 2026 |
| EverBankEverBank Performance® CDs · Standard | 25 months | Not stated | Available nationwide | 3.65% | October 22, 2026 |
| RCB Bank25 Month Pop-up CD · Promotional | 25 months | $1,000 | Branches in KS, OK | 3.10% | October 22, 2026 |
| Dupaco Community Credit Union (highest tracked APY for this term)25 Month Fixed Jumbo Certificate Special · Promotional | 25 months | $100,000 | Membership required · branches in IA, IL, WI | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 25 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.71% | 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 of America on October 23, 2026.
About Credit Union of America
- Legal name
- Credit Union Of America
- Regulator ID
- NCUA 60062
- Headquarters
- Wichita, KS
- Available in
- KS
- Total assets
- $1.9 billion
- Also known as
- Website
- www.cuofamerica.com
Source: rates read from https://www.cuofamerica.com/Rates/Certificates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Credit Union of America?
Among the rates we track, 4.30% APY on a 25-month promotional CD, as of October 23, 2026.
What is the minimum deposit for a Credit Union of America CD?
The lowest minimum we found is $100; jumbo and higher balance tiers start at up to $2,500.
How does Credit Union of America's best CD rate compare with Treasury yields?
4.30% APY is −0.41% versus the 25-month Treasury yield of 4.71% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.30% a good CD rate?
It is 2.8 times the FDIC national average for a similar term (1.55% 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 of America CDs insured?
Credit Union of America is a federally insured credit union (NCUA 60062). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Credit Union of America?
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 of America'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 of America's website and may change at any time. Confirm terms, minimums and eligibility with Credit Union of America before opening an account. This page is not financial advice.