Honda Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Honda Federal Credit Union's highest tracked CD (share certificate) rate is 4.60% APY on a 60-month CD ($500 minimum). That is 3.3 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 3.25% to 4.60% APY.
Tracking began .
Honda Federal Credit Union CD & share certificate rates
Membership required. Regular ($500), Premier ($10,000) and Executive ($100,000) certificates from 6 months to 5 years and 10- and 20-month Flex certificates, which allow penalty-free deposits and withdrawals during a 10-day window. IRA certificates are excluded. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | Savings Certificate - Executive | $100,000 | 3.45% | −0.95% | Top 49% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Savings Certificate - Premier | $10,000 | 3.35% | −1.05% | Top 53% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Savings Certificate - Regular | $500 | 3.25% | −1.15% | Top 58% of tracked 6-month CDs · Verified October 22, 2026 |
| 10 months | Flex Savings Certificate - Executive | $100,000 | 3.80% | −0.71% | Verified October 22, 2026 |
| 10 months | Flex Savings Certificate - Premier | $10,000 | 3.70% | −0.81% | Verified October 22, 2026 |
| 10 months | Flex Savings Certificate - Regular | $1,000 | 3.60% | −0.91% | Verified October 22, 2026 |
| 12 months | Savings Certificate - Executive | $100,000 | 3.45% | −1.12% | Top 59% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Savings Certificate - Premier | $10,000 | 3.35% | −1.22% | Top 63% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Savings Certificate - Regular | $500 | 3.25% | −1.32% | Top 66% of tracked 12-month CDs · Verified October 22, 2026 |
| 20 months | Flex Savings Certificate - Executive Promotional | $100,000 | 4.00% | −0.77% | Verified October 22, 2026 |
| 20 months | Flex Savings Certificate - Premier Promotional | $10,000 | 3.90% | −0.87% | Verified October 22, 2026 |
| 20 months | Flex Savings Certificate - Regular Promotional | $1,000 | 3.80% | −0.97% | Verified October 22, 2026 |
| 24 months | Savings Certificate - Executive | $100,000 | 3.50% | −1.37% | Top 52% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Savings Certificate - Premier | $10,000 | 3.40% | −1.47% | Top 54% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Savings Certificate - Regular | $500 | 3.30% | −1.57% | Top 56% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Savings Certificate - Executive | $100,000 | 3.55% | −1.40% | Top 38% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Savings Certificate - Premier | $10,000 | 3.45% | −1.50% | Top 42% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Savings Certificate - Regular | $500 | 3.35% | −1.60% | Top 45% of tracked 36-month CDs · Verified October 22, 2026 |
| 60 months | Savings Certificate - Regular | $500 | 4.60% | −0.41% | Top 4% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Savings Certificate - Premier | $10,000 | 4.60% | −0.41% | Top 4% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Savings Certificate - Executive | $100,000 | 4.60% | −0.41% | Top 4% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.00% APY (20 months). The standard rate for a similar term is 3.50% APY (24 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $50 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Honda Federal Credit Union's best CD rates by term?
Honda Federal Credit Union's best rate is 4.60% APY on 60 months, verified October 22, 2026.
- 6 mo3.45%
- 10 mo3.80%
- 12 mo3.45%
- 20 mo4.00%
- 24 mo3.50%
- 36 mo3.55%
- 60 mo4.60%
How much interest could a Honda Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$2,521.56 interest · $12,521.56 at maturity on $10,000.00.
4.60% APY · 60 months · Savings Certificate - Regular · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $80.823.25% APY · Savings Certificate - Regular · Standard | $166.583.35% APY · Savings Certificate - Premier · Standard | $416.453.35% APY · Savings Certificate - Premier · Standard | $832.903.35% APY · Savings Certificate - Premier · Standard |
| 10 months | $149.473.60% APY · Flex Savings Certificate - Regular · Standard | $307.233.70% APY · Flex Savings Certificate - Premier · Standard | $768.063.70% APY · Flex Savings Certificate - Premier · Standard | $1,536.133.70% APY · Flex Savings Certificate - Premier · Standard |
| 12 months | $162.503.25% APY · Savings Certificate - Regular · Standard | $335.003.35% APY · Savings Certificate - Premier · Standard | $837.503.35% APY · Savings Certificate - Premier · Standard | $1,675.003.35% APY · Savings Certificate - Premier · Standard |
| 20 months | $320.483.80% APY · Flex Savings Certificate - Regular · Promotional | $658.043.90% APY · Flex Savings Certificate - Premier · Promotional | $1,645.103.90% APY · Flex Savings Certificate - Premier · Promotional | $3,290.213.90% APY · Flex Savings Certificate - Premier · Promotional |
| 24 months | $335.443.30% APY · Savings Certificate - Regular · Standard | $691.563.40% APY · Savings Certificate - Premier · Standard | $1,728.903.40% APY · Savings Certificate - Premier · Standard | $3,457.803.40% APY · Savings Certificate - Premier · Standard |
| 36 months | $519.523.35% APY · Savings Certificate - Regular · Standard | $1,071.123.45% APY · Savings Certificate - Premier · Standard | $2,677.803.45% APY · Savings Certificate - Premier · Standard | $5,355.593.45% APY · Savings Certificate - Premier · Standard |
| 60 months | $1,260.784.60% APY · Savings Certificate - Regular · Standard | $2,521.564.60% APY · Savings Certificate - Regular · Standard | $6,303.904.60% APY · Savings Certificate - Regular · Standard | $12,607.804.60% APY · Savings Certificate - Regular · Standard |
How Honda Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1825-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 11 of 332 tracked institutions with fresh 1825-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Honda Federal Credit Union (this institution)Savings Certificate - Regular · Standard | 60 months | $500 | Membership required · branches in AL, CA, IN, NC, OH, SC | 4.60% | October 22, 2026 |
| Popular DirectCD · Standard | 60 months | $10,000 | Available nationwide | 5.00% | October 22, 2026 |
| Seven Seventeen Credit UnionJumbo Certificate · Promotional | 60 months | $250,000 | Membership required · branches in OH | 5.00% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 60 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Mini-Jumbo Share Certificate · Standard | 60 months | $20,000 | Membership required · branches in MD | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 60 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.01% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Honda Federal Credit Union on October 22, 2026.
About Honda Federal Credit Union
- Legal name
- Honda Federal Credit Union
- Regulator ID
- NCUA 17623
- Headquarters
- Torrance, CA
- Available in
- AL, CA, IN, NC, OH, SC
- Total assets
- $1.2 billion
- Also known as
- Website
- www.hondafcu.org
Source: rates read from https://www.hondafcu.org/checking-savings/savings-certificates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Honda Federal Credit Union?
Among the rates we track, 4.60% APY on a 60-month CD, as of October 22, 2026.
What is the minimum deposit for a Honda Federal Credit Union CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $100,000.
How does Honda Federal Credit Union's best CD rate compare with Treasury yields?
4.60% APY is −0.41% versus the 60-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.60% a good CD rate?
It is 3.3 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Honda Federal Credit Union CDs insured?
Honda Federal Credit Union is a federally insured credit union (NCUA 17623). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Honda Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Honda Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Honda Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Honda Federal Credit Union before opening an account. This page is not financial advice.