# Family Savings Credit Union CD and share certificate rates

As of October 22, 2026, Family Savings Credit Union's highest tracked CD (share certificate) rate is 4.20% APY on a 24-month CD ($500 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.35% to 4.20% APY.

Canonical page: https://apyledger.com/cd-rates/family-savings-credit-union
Institution: Family Savings Credit Union (NCUA 68628)
Aliases: 
Status: live
Last verified: 2026-10-23T02:09:51.000Z (October 22, 2026)
Official source: https://www.familysavingscu.com/rates
Coverage: Membership required; eDocuments are required for accounts. Share certificates from 180 days to 60 months with a $500 minimum. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. 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 | 180 days | $500 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-23T02:09:51.000Z | [Snapshot 841](https://apyledger.com/snapshots/841) |
| Share Certificate | standard | 12 months | $500 | 4.10% | Not ZIP-priced | −0.47% | 2026-10-23T02:09:51.000Z | [Snapshot 841](https://apyledger.com/snapshots/841) |
| Share Certificate | standard | 18 months | $500 | 3.35% | Not ZIP-priced | −1.37% | 2026-10-23T02:09:51.000Z | [Snapshot 841](https://apyledger.com/snapshots/841) |
| Share Certificate | standard | 24 months | $500 | 4.20% | Not ZIP-priced | −0.67% | 2026-10-23T02:09:51.000Z | [Snapshot 841](https://apyledger.com/snapshots/841) |
| Share Certificate | standard | 36 months | $500 | 4.20% | Not ZIP-priced | −0.75% | 2026-10-23T02:09:51.000Z | [Snapshot 841](https://apyledger.com/snapshots/841) |
| Share Certificate | standard | 48 months | $500 | 4.20% | Not ZIP-priced | −0.78% | 2026-10-23T02:09:51.000Z | [Snapshot 841](https://apyledger.com/snapshots/841) |
| Share Certificate | standard | 60 months | $500 | 4.20% | Not ZIP-priced | −0.81% | 2026-10-23T02:09:51.000Z | [Snapshot 841](https://apyledger.com/snapshots/841) |

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.