# Family Security Credit Union CD and share certificate rates

As of October 22, 2026, Family Security Credit Union's highest tracked CD (share certificate) rate is 3.87% APY on a 12-month CD ($100,000 minimum). That is 2.2 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.20% to 3.87% APY.

Canonical page: https://apyledger.com/cd-rates/family-security-credit-union
Institution: Family Security Credit Union (NCUA 60605)
Aliases: 
Status: live
Last verified: 2026-10-23T02:09:55.000Z (October 22, 2026)
Official source: https://www.myfscu.com/all-rates
Coverage: Membership required. Certificates ($1,000 minimum), Jumbo ($50,000) and Super Jumbo ($100,000) certificates. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6 Month Super Jumbo Certificate | standard | 6 months | $100,000 | 3.66% | Not ZIP-priced | −0.74% | 2026-10-23T02:09:55.000Z | [Snapshot 845](https://apyledger.com/snapshots/845) |
| 6 Month Jumbo Certificate | standard | 6 months | $50,000 | 3.61% | Not ZIP-priced | −0.79% | 2026-10-23T02:09:55.000Z | [Snapshot 845](https://apyledger.com/snapshots/845) |
| 6 Month Certificate | standard | 6 months | $1,000 | 3.56% | Not ZIP-priced | −0.84% | 2026-10-23T02:09:55.000Z | [Snapshot 845](https://apyledger.com/snapshots/845) |
| 1 Year Super Jumbo Certificate | standard | 12 months | $100,000 | 3.87% | Not ZIP-priced | −0.70% | 2026-10-23T02:09:55.000Z | [Snapshot 845](https://apyledger.com/snapshots/845) |
| 1 Year Jumbo Certificate | standard | 12 months | $50,000 | 3.82% | Not ZIP-priced | −0.75% | 2026-10-23T02:09:55.000Z | [Snapshot 845](https://apyledger.com/snapshots/845) |
| 1 Year Certificate | standard | 12 months | $1,000 | 3.76% | Not ZIP-priced | −0.81% | 2026-10-23T02:09:55.000Z | [Snapshot 845](https://apyledger.com/snapshots/845) |
| 2 Year Super Jumbo Certificate | standard | 24 months | $100,000 | 3.71% | Not ZIP-priced | −1.16% | 2026-10-23T02:09:55.000Z | [Snapshot 845](https://apyledger.com/snapshots/845) |
| 2 Year Jumbo Certificate | standard | 24 months | $50,000 | 3.66% | Not ZIP-priced | −1.21% | 2026-10-23T02:09:55.000Z | [Snapshot 845](https://apyledger.com/snapshots/845) |
| 2 Year Certificate | standard | 24 months | $1,000 | 3.61% | Not ZIP-priced | −1.26% | 2026-10-23T02:09:55.000Z | [Snapshot 845](https://apyledger.com/snapshots/845) |
| 3 Year Super Jumbo Certificate | standard | 36 months | $100,000 | 3.30% | Not ZIP-priced | −1.65% | 2026-10-23T02:09:55.000Z | [Snapshot 845](https://apyledger.com/snapshots/845) |
| 3 Year Jumbo Certificate | standard | 36 months | $50,000 | 3.25% | Not ZIP-priced | −1.70% | 2026-10-23T02:09:55.000Z | [Snapshot 845](https://apyledger.com/snapshots/845) |
| 3 Year Certificate | standard | 36 months | $1,000 | 3.20% | Not ZIP-priced | −1.75% | 2026-10-23T02:09:55.000Z | [Snapshot 845](https://apyledger.com/snapshots/845) |
| 4 Year Super Jumbo Certificate | standard | 48 months | $100,000 | 3.35% | Not ZIP-priced | −1.63% | 2026-10-23T02:09:55.000Z | [Snapshot 845](https://apyledger.com/snapshots/845) |
| 4 Year Jumbo Certificate | standard | 48 months | $50,000 | 3.30% | Not ZIP-priced | −1.68% | 2026-10-23T02:09:55.000Z | [Snapshot 845](https://apyledger.com/snapshots/845) |
| 4 Year Certificate | standard | 48 months | $1,000 | 3.25% | Not ZIP-priced | −1.73% | 2026-10-23T02:09:55.000Z | [Snapshot 845](https://apyledger.com/snapshots/845) |
| 5 Year Super Jumbo Certificate | standard | 60 months | $100,000 | 3.40% | Not ZIP-priced | −1.61% | 2026-10-23T02:09:55.000Z | [Snapshot 845](https://apyledger.com/snapshots/845) |
| 5 Year Jumbo Certificate | standard | 60 months | $50,000 | 3.35% | Not ZIP-priced | −1.66% | 2026-10-23T02:09:55.000Z | [Snapshot 845](https://apyledger.com/snapshots/845) |
| 5 Year Certificate | standard | 60 months | $1,000 | 3.30% | Not ZIP-priced | −1.71% | 2026-10-23T02:09:55.000Z | [Snapshot 845](https://apyledger.com/snapshots/845) |

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.