# FORUM Credit Union CD and share certificate rates

As of October 23, 2026, FORUM Credit Union's highest tracked CD (share certificate) rate is 4.25% APY on an 18-month CD ($500 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 0.75% to 4.25% APY.

Canonical page: https://apyledger.com/cd-rates/forum-credit-union
Institution: Forum Credit Union (NCUA 68248)
Aliases: 
Status: live
Last verified: 2026-10-23T11:33:17.000Z (October 23, 2026)
Official source: https://www.forumcu.com/rates?rateName=Certificate%20Rates
Coverage: Membership required. Personal fixed-term certificates require $500. The savings challenge and Sprout accounts and IRA-only offers 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate | standard | 91 days | $500 | 0.75% | Not ZIP-priced | −3.51% | 2026-10-23T11:33:17.000Z | [Snapshot 1010](https://apyledger.com/snapshots/1010) |
| Certificate | standard | 6 months | $500 | 4.00% | Not ZIP-priced | −0.34% | 2026-10-23T11:33:17.000Z | [Snapshot 1010](https://apyledger.com/snapshots/1010) |
| Certificate | standard | 12 months | $500 | 4.15% | Not ZIP-priced | −0.31% | 2026-10-23T11:33:17.000Z | [Snapshot 1010](https://apyledger.com/snapshots/1010) |
| Certificate | standard | 18 months | $500 | 4.25% | Not ZIP-priced | −0.33% | 2026-10-23T11:33:17.000Z | [Snapshot 1010](https://apyledger.com/snapshots/1010) |
| Certificate | standard | 24 months | $500 | 3.65% | Not ZIP-priced | −1.05% | 2026-10-23T11:33:17.000Z | [Snapshot 1010](https://apyledger.com/snapshots/1010) |
| Certificate | standard | 36 months | $500 | 3.50% | Not ZIP-priced | −1.28% | 2026-10-23T11:33:17.000Z | [Snapshot 1010](https://apyledger.com/snapshots/1010) |
| Certificate | standard | 48 months | $500 | 3.50% | Not ZIP-priced | −1.31% | 2026-10-23T11:33:17.000Z | [Snapshot 1010](https://apyledger.com/snapshots/1010) |
| Certificate | standard | 60 months | $500 | 3.25% | Not ZIP-priced | −1.59% | 2026-10-23T11:33:17.000Z | [Snapshot 1010](https://apyledger.com/snapshots/1010) |
| Certificate | standard | 72 months | $500 | 3.25% | Not ZIP-priced | −1.63% | 2026-10-23T11:33:17.000Z | [Snapshot 1010](https://apyledger.com/snapshots/1010) |
| Certificate | standard | 84 months | $500 | 3.25% | Not ZIP-priced | −1.67% | 2026-10-23T11:33:17.000Z | [Snapshot 1010](https://apyledger.com/snapshots/1010) |
| Certificate | standard | 96 months | $500 | 3.25% | Not ZIP-priced | −1.70% | 2026-10-23T11:33:17.000Z | [Snapshot 1010](https://apyledger.com/snapshots/1010) |
| Certificate | standard | 108 months | $500 | 3.25% | Not ZIP-priced | −1.74% | 2026-10-23T11:33:17.000Z | [Snapshot 1010](https://apyledger.com/snapshots/1010) |
| Certificate | standard | 120 months | $500 | 3.25% | Not ZIP-priced | −1.77% | 2026-10-23T11:33:17.000Z | [Snapshot 1010](https://apyledger.com/snapshots/1010) |

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.