# Fibre Federal Credit Union CD and share certificate rates

As of October 22, 2026, Fibre Federal Credit Union's highest tracked CD (share certificate) rate is 3.93% 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 3.39% to 3.93% APY.

Canonical page: https://apyledger.com/cd-rates/fibre-federal-credit-union
Institution: Fibre Federal Credit Union (NCUA 2191)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:02.000Z (October 22, 2026)
Official source: https://www.fibrecu.com/accounts/savings/deposit-account-rates
Coverage: Membership required. Certificates from 6 to 60 months ($500 minimum) and Jumbo certificates ($100,000). 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 Jumbo Certificate | standard | 6 months | $100,000 | 3.64% | Not ZIP-priced | −0.76% | 2026-10-23T02:10:02.000Z | [Snapshot 849](https://apyledger.com/snapshots/849) |
| 6 Month Certificate | standard | 6 months | $500 | 3.39% | Not ZIP-priced | −1.01% | 2026-10-23T02:10:02.000Z | [Snapshot 849](https://apyledger.com/snapshots/849) |
| 12 Month Jumbo Certificate | standard | 12 months | $100,000 | 3.93% | Not ZIP-priced | −0.64% | 2026-10-23T02:10:02.000Z | [Snapshot 849](https://apyledger.com/snapshots/849) |
| 12 Month Certificate | standard | 12 months | $500 | 3.68% | Not ZIP-priced | −0.89% | 2026-10-23T02:10:02.000Z | [Snapshot 849](https://apyledger.com/snapshots/849) |
| 18 Month Jumbo Certificate | standard | 18 months | $100,000 | 3.80% | Not ZIP-priced | −0.92% | 2026-10-23T02:10:02.000Z | [Snapshot 849](https://apyledger.com/snapshots/849) |
| 18 Month Money Builder Certificate | standard | 18 months | $25 | 3.68% | Not ZIP-priced | −1.04% | 2026-10-23T02:10:02.000Z | [Snapshot 849](https://apyledger.com/snapshots/849) |
| 18 Month Certificate | standard | 18 months | $500 | 3.55% | Not ZIP-priced | −1.17% | 2026-10-23T02:10:02.000Z | [Snapshot 849](https://apyledger.com/snapshots/849) |
| 24 Month Jumbo Certificate | standard | 24 months | $100,000 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-23T02:10:02.000Z | [Snapshot 849](https://apyledger.com/snapshots/849) |
| 24 Month Certificate | standard | 24 months | $500 | 3.50% | Not ZIP-priced | −1.37% | 2026-10-23T02:10:02.000Z | [Snapshot 849](https://apyledger.com/snapshots/849) |
| 30 Month Bump Up Certificate | standard | 30 months | $500 | 3.55% | Not ZIP-priced | −1.36% | 2026-10-23T02:10:02.000Z | [Snapshot 849](https://apyledger.com/snapshots/849) |
| 36 Month Jumbo Certificate | standard | 36 months | $100,000 | 3.68% | Not ZIP-priced | −1.27% | 2026-10-23T02:10:02.000Z | [Snapshot 849](https://apyledger.com/snapshots/849) |
| 36 Month Certificate | standard | 36 months | $500 | 3.43% | Not ZIP-priced | −1.52% | 2026-10-23T02:10:02.000Z | [Snapshot 849](https://apyledger.com/snapshots/849) |
| 48 Month Jumbo Certificate | standard | 48 months | $100,000 | 3.74% | Not ZIP-priced | −1.24% | 2026-10-23T02:10:02.000Z | [Snapshot 849](https://apyledger.com/snapshots/849) |
| 48 Month Certificate | standard | 48 months | $500 | 3.49% | Not ZIP-priced | −1.49% | 2026-10-23T02:10:02.000Z | [Snapshot 849](https://apyledger.com/snapshots/849) |
| 60 Month Jumbo Certificate | standard | 60 months | $100,000 | 3.76% | Not ZIP-priced | −1.25% | 2026-10-23T02:10:02.000Z | [Snapshot 849](https://apyledger.com/snapshots/849) |
| 60 Month Certificate | standard | 60 months | $500 | 3.51% | Not ZIP-priced | −1.50% | 2026-10-23T02:10:02.000Z | [Snapshot 849](https://apyledger.com/snapshots/849) |

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.