# Credit Union of America CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/credit-union-of-america
Institution: Credit Union Of America (NCUA 60062)
Aliases: 
Status: live
Last verified: 2026-10-23T11:32:07.000Z (October 23, 2026)
Official source: https://www.cuofamerica.com/Rates/Certificates
Coverage: Membership required. Standard, special, add-on and bump-up certificates have different opening minimums; higher deposits may require approval. 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 | standard | 3 months | $500 | 1.40% | Not ZIP-priced | −2.86% | 2026-10-23T11:32:07.000Z | [Snapshot 1004](https://apyledger.com/snapshots/1004) |
| Share Certificate | standard | 6 months | $500 | 1.55% | Not ZIP-priced | −2.79% | 2026-10-23T11:32:07.000Z | [Snapshot 1004](https://apyledger.com/snapshots/1004) |
| 1-Year Add-on | standard | 12 months | $100 | 3.25% | Not ZIP-priced | −1.21% | 2026-10-23T11:32:07.000Z | [Snapshot 1004](https://apyledger.com/snapshots/1004) |
| Share Certificate | standard | 12 months | $500 | 3.25% | Not ZIP-priced | −1.21% | 2026-10-23T11:32:07.000Z | [Snapshot 1004](https://apyledger.com/snapshots/1004) |
| Share Certificate | standard | 18 months | $500 | 2.75% | Not ZIP-priced | −1.83% | 2026-10-23T11:32:07.000Z | [Snapshot 1004](https://apyledger.com/snapshots/1004) |
| Share Certificate | standard | 24 months | $500 | 3.50% | Not ZIP-priced | −1.20% | 2026-10-23T11:32:07.000Z | [Snapshot 1004](https://apyledger.com/snapshots/1004) |
| 25-Month Special | promotional | 25 months | $500 | 4.30% | Not ZIP-priced | −0.41% | 2026-10-23T11:32:07.000Z | [Snapshot 1004](https://apyledger.com/snapshots/1004) |
| 30-Month Bump-Up | standard | 30 months | $2,500 | 2.75% | Not ZIP-priced | −1.99% | 2026-10-23T11:32:07.000Z | [Snapshot 1004](https://apyledger.com/snapshots/1004) |
| Share Certificate | standard | 36 months | $500 | 3.50% | Not ZIP-priced | −1.28% | 2026-10-23T11:32:07.000Z | [Snapshot 1004](https://apyledger.com/snapshots/1004) |
| Share Certificate | standard | 48 months | $500 | 3.25% | Not ZIP-priced | −1.56% | 2026-10-23T11:32:07.000Z | [Snapshot 1004](https://apyledger.com/snapshots/1004) |
| Share Certificate | standard | 60 months | $500 | 3.50% | Not ZIP-priced | −1.34% | 2026-10-23T11:32:07.000Z | [Snapshot 1004](https://apyledger.com/snapshots/1004) |

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.