Best Credit Union CD & Share Certificate Rates
Truliant Federal Credit Union has the highest APY in this tracked sample of 31 institutions: 5.00% APY for 12 months, verified October 22, 2026.
Only credit unions are included. Share certificates are the credit union equivalent of bank CDs. Membership requirements differ by institution. We show each institution's highest matching APY, rather than an exhaustive market ranking. All quotes were verified within the last seven days. Membership, new-money and relationship requirements may apply; confirm eligibility and terms with the institution.
| Institution | Term / product | Minimum | Quote coverage | APY | Verified / evidence |
|---|---|---|---|---|---|
| Truliant Federal Credit Union | 12 monthsLimited-Time 12 Month Term (new external funds required) · Promotional | $5,000 | Coverage: NC, SC, VA | 5.00% | October 22, 2026 Source text |
| Wings Credit Union (formerly Ent) | 6 monthsMy Savings Builder Certificate · Special | $25 | Coverage: CO, FL, GA, MI, MN, WI | 4.80% | October 22, 2026 Source text |
| Wright-Patt Credit Union | 72 monthsShare Certificates - $500 Minimum · Standard | $500 | Coverage: OH | 4.70% | October 22, 2026 Source text |
| Mountain America Credit Union | 24 monthsYouth certificate · Special | $5 | Coverage: AZ, ID, MT, NV, UT | 4.60% | October 22, 2026 Source text |
| Coastal Credit Union | 60 months60-Month Certificate · Standard | $250 | Coverage: NC | 4.50% | October 22, 2026 Source text |
| Dupaco Community Credit Union | 25 months25 Month Fixed Jumbo Certificate Special · Promotional | $100,000 | Coverage: IA, IL, WI | 4.50% | October 22, 2026 Source text |
| Gesa Credit Union | 17 monthsFixed CD · Standard | $500 | Coverage: ID, WA | 4.50% | October 22, 2026 Source text |
| Suncoast Credit Union | 18 monthsJumbo Certificate · Standard | $100,000 | Coverage: FL | 4.50% | October 22, 2026 Source text |
| Teachers Federal Credit Union | 22 monthsCertificate · Special | $1,000 | Hauppauge, NY · ZIP 11788 | 4.50% | October 22, 2026 Source text |
| America First Credit Union | 60 monthsBump-rate Certificate Account · Standard | $500 | Coverage: AZ, CA, ID, NM, NV, UT | 4.45% | October 22, 2026 Source text |
| Consumers Credit Union | 7 monthsSuper Jumbo Certificate · Promotional | $250,000 | Coverage: IL | 4.45% | October 22, 2026 Source text |
| Citadel Credit Union | 20 months20 Month Bonus Certificate · Promotional | $75,000 | Coverage: PA | 4.40% | October 22, 2026 Source text |
| DFCU Financial | 24 monthsShare Certificate · Standard | $1,000 | Coverage: FL, MI | 4.40% | October 22, 2026 Source text |
| Alliant Credit Union | 12 monthsJumbo Share Certificate · Standard | $75,000 | Coverage: IL | 4.35% | October 22, 2026 Source text |
| Navy Federal Credit Union | 12 monthsSpecial EasyStart Certificate · Promotional | $50 | Coverage: AL, AZ, CA, CO, CT, DC, FL, GA, GU, HI, IL, KS, KY, LA, MD, MI, MO, MS, NC, NE, NJ, NM, NV, NY, OH, OK, PA, RI, SC, TN, TX, VA, WA | 4.35% | October 22, 2026 Source text |
| VyStar Credit Union | 30 monthsCD · Standard | $50,000 | Coverage: FL, GA | 4.35% | October 22, 2026 Source text |
| SchoolsFirst Federal Credit Union | 19 months19-Month Promotional Share Certificate · Promotional | $500 | Coverage: CA | 4.30% | October 22, 2026 Source text |
| State Employees' Credit Union (SECU) | 18 monthsShare Term Certificate · Standard | $250 | Coverage: NC | 4.30% | October 22, 2026 Source text |
| Patelco Credit Union | 7 monthsCertificate · Promotional | $250 | Coverage: CA | 4.25% | October 22, 2026 Source text |
| Space Coast Credit Union | 12 monthsCertificate of Deposit (CD) · Standard | $500 | Coverage: FL | 4.25% | October 22, 2026 Source text |
| Connexus Credit Union | 6 monthsRegular Certificates · Standard | $5,000 | Coverage: IL, MN, WI | 4.00% | October 22, 2026 Source text |
| Delta Community Credit Union | 12 monthsCertificate of Deposit · Standard | $1,000 | Coverage: GA, KY, TX, UT | 4.00% | October 22, 2026 Source text |
| Mission Federal Credit Union | 11 months11-Month Flex Promo Certificate · Promotional | $500 | Coverage: CA | 4.00% | October 22, 2026 Source text |
| Randolph-Brooks Federal Credit Union (RBFCU) | 18 monthsSuperSaver Certificate · Standard | $75,000 | Coverage: TX | 3.91% | October 22, 2026 Source text |
| FAIRWINDS Credit Union | 60 months60-Month CD · Standard | $1,000 | Coverage: FL | 3.70% | October 22, 2026 Source text |
| PSECU | 18 monthsCertificate · Standard | $500 | Coverage: PA | 3.65% | October 22, 2026 Source text |
| NuVision Credit Union | 12 months1-Year Certificate · Standard | $100,000 | Coverage: AK, AZ, CA, WA, WY | 3.55% | October 22, 2026 Source text |
| BECU | 12 months12-17 Month CD with Member Advantage · Relationship | $500 | Coverage: SC, WA | 3.50% | October 22, 2026 Source text |
| DCU (Digital Federal Credit Union) | 12 monthsRegular Certificate · Standard | $500 | Coverage: CA, CO, GA, ID, MA, NH, OR, TX, WA | 3.50% | October 22, 2026 Source text |
| PenFed Credit Union | 60 monthsMoney Market Certificate · Promotional | $1,000 | Nationwide; check eligibility | 3.50% | October 22, 2026 Source text |
| Members 1st Federal Credit Union | 36 monthsCertificate · Standard | $500 | Coverage: PA | 1.70% | October 22, 2026 Source text |
Compare with public benchmarks
The highest tracked quote is 5.00% APY for 12 months. The Treasury APY-equivalent for a similar term is 4.57% (2026-10-21). The FDIC national average for a similar term is 1.76% (2026-10-19). Benchmark terms may differ; Treasury interest is exempt from state income tax.
Common questions
Which institution has the highest tracked rate?
Truliant Federal Credit Union has the highest APY in this tracked sample of 31 institutions: 5.00% APY for 12 months, verified October 22, 2026.
Who can open these CDs or share certificates?
Check the displayed minimum deposit and location. Credit union membership, new-money and relationship requirements may apply; confirm terms with the institution.
How current are these rates?
Every quote in this collection was verified within the last seven days. Source snapshots and verification dates appear in the table; rates may change before you open an account.
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