# First Source Federal Credit Union CD and share certificate rates

As of October 23, 2026, First Source Federal Credit Union's highest tracked CD (share certificate) rate is 4.00% APY on a 6-month special CD ($500 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.45% to 4.00% APY.

Canonical page: https://apyledger.com/cd-rates/first-source-federal-credit-union
Institution: First Source Federal Credit Union (NCUA 2658)
Aliases: 
Status: live
Last verified: 2026-10-23T11:33:05.000Z (October 23, 2026)
Official source: https://www.fsource.org/rates
Coverage: Membership required. Personal and youth share certificates; youth eligibility and product-specific opening minimums apply. Business and IRA-only certificates are excluded. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 3 months | $1,000 | 0.45% | Not ZIP-priced | −3.81% | 2026-10-23T11:33:05.000Z | [Snapshot 1009](https://apyledger.com/snapshots/1009) |
| Youth Share Certificate | special | 6 months | $500 | 4.00% | Not ZIP-priced | −0.34% | 2026-10-23T11:33:05.000Z | [Snapshot 1009](https://apyledger.com/snapshots/1009) |
| Share Certificate | standard | 6 months | $1,000 | 4.00% | Not ZIP-priced | −0.34% | 2026-10-23T11:33:05.000Z | [Snapshot 1009](https://apyledger.com/snapshots/1009) |
| Share Certificate | standard | 9 months | $1,000 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-23T11:33:05.000Z | [Snapshot 1009](https://apyledger.com/snapshots/1009) |
| Youth Share Certificate | special | 12 months | $500 | 3.50% | Not ZIP-priced | −0.96% | 2026-10-23T11:33:05.000Z | [Snapshot 1009](https://apyledger.com/snapshots/1009) |
| Share Certificate | standard | 12 months | $1,000 | 3.50% | Not ZIP-priced | −0.96% | 2026-10-23T11:33:05.000Z | [Snapshot 1009](https://apyledger.com/snapshots/1009) |
| Share Certificate | standard | 18 months | $1,000 | 3.25% | Not ZIP-priced | −1.33% | 2026-10-23T11:33:05.000Z | [Snapshot 1009](https://apyledger.com/snapshots/1009) |
| Youth Share Certificate | special | 24 months | $500 | 2.95% | Not ZIP-priced | −1.75% | 2026-10-23T11:33:05.000Z | [Snapshot 1009](https://apyledger.com/snapshots/1009) |
| Share Certificate | standard | 24 months | $1,000 | 2.95% | Not ZIP-priced | −1.75% | 2026-10-23T11:33:05.000Z | [Snapshot 1009](https://apyledger.com/snapshots/1009) |
| Share Certificate | standard | 36 months | $1,000 | 2.50% | Not ZIP-priced | −2.28% | 2026-10-23T11:33:05.000Z | [Snapshot 1009](https://apyledger.com/snapshots/1009) |
| Share Certificate | standard | 48 months | $1,000 | 2.50% | Not ZIP-priced | −2.31% | 2026-10-23T11:33:05.000Z | [Snapshot 1009](https://apyledger.com/snapshots/1009) |

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.