# Diamond Credit Union CD and share certificate rates

As of October 23, 2026, Diamond Credit Union's highest tracked CD (share certificate) rate is 4.06% APY on a 24-month CD ($75,000 minimum). That is 2.6 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 2.01% to 4.06% APY.

Canonical page: https://apyledger.com/cd-rates/diamond-credit-union
Institution: Diamond Credit Union (NCUA 68241)
Aliases: 
Status: live
Last verified: 2026-10-23T11:32:20.000Z (October 23, 2026)
Official source: https://diamondcu.org/personal/savings/share-certificates/
Coverage: Membership required. Regular share certificates require $1,000 and jumbo certificates $75,000. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo Share Certificate | standard | 45 days | $75,000 | 2.06% | Not ZIP-priced | −2.12% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Regular Share Certificate | standard | 45 days | $1,000 | 2.01% | Not ZIP-priced | −2.17% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Jumbo Share Certificate | standard | 90 days | $75,000 | 3.31% | Not ZIP-priced | −0.95% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Regular Share Certificate | standard | 90 days | $1,000 | 3.26% | Not ZIP-priced | −1.00% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Jumbo Share Certificate | standard | 6 months | $75,000 | 3.31% | Not ZIP-priced | −1.03% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Regular Share Certificate | standard | 6 months | $1,000 | 3.26% | Not ZIP-priced | −1.08% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Jumbo Share Certificate | standard | 12 months | $75,000 | 3.56% | Not ZIP-priced | −0.90% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Regular Share Certificate | standard | 12 months | $1,000 | 3.51% | Not ZIP-priced | −0.95% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Jumbo Share Certificate | standard | 18 months | $75,000 | 3.56% | Not ZIP-priced | −1.02% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Regular Share Certificate | standard | 18 months | $1,000 | 3.51% | Not ZIP-priced | −1.07% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Jumbo Share Certificate | standard | 24 months | $75,000 | 4.06% | Not ZIP-priced | −0.64% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Regular Share Certificate | standard | 24 months | $1,000 | 4.01% | Not ZIP-priced | −0.69% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Jumbo Share Certificate | standard | 30 months | $75,000 | 4.06% | Not ZIP-priced | −0.68% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Regular Share Certificate | standard | 30 months | $1,000 | 4.01% | Not ZIP-priced | −0.73% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Jumbo Share Certificate | standard | 36 months | $75,000 | 3.81% | Not ZIP-priced | −0.97% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Regular Share Certificate | standard | 36 months | $1,000 | 3.76% | Not ZIP-priced | −1.02% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Jumbo Share Certificate | standard | 48 months | $75,000 | 3.81% | Not ZIP-priced | −1.00% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Regular Share Certificate | standard | 48 months | $1,000 | 3.76% | Not ZIP-priced | −1.05% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Jumbo Share Certificate | standard | 60 months | $75,000 | 3.81% | Not ZIP-priced | −1.03% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Regular Share Certificate | standard | 60 months | $1,000 | 3.76% | Not ZIP-priced | −1.08% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Jumbo Share Certificate | standard | 120 months | $75,000 | 3.81% | Not ZIP-priced | −1.21% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |
| Regular Share Certificate | standard | 120 months | $1,000 | 3.76% | Not ZIP-priced | −1.26% | 2026-10-23T11:32:20.000Z | [Snapshot 1005](https://apyledger.com/snapshots/1005) |

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.