# Honda Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/honda-federal-credit-union
Institution: Honda Federal Credit Union (NCUA 17623)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:12.000Z (October 22, 2026)
Official source: https://www.hondafcu.org/checking-savings/savings-certificates
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Savings Certificate - Executive | standard | 6 months | $100,000 | 3.45% | Not ZIP-priced | −0.95% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Savings Certificate - Premier | standard | 6 months | $10,000 | 3.35% | Not ZIP-priced | −1.05% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Savings Certificate - Regular | standard | 6 months | $500 | 3.25% | Not ZIP-priced | −1.15% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Flex Savings Certificate - Executive | standard | 10 months | $100,000 | 3.80% | Not ZIP-priced | −0.71% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Flex Savings Certificate - Premier | standard | 10 months | $10,000 | 3.70% | Not ZIP-priced | −0.81% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Flex Savings Certificate - Regular | standard | 10 months | $1,000 | 3.60% | Not ZIP-priced | −0.91% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Savings Certificate - Executive | standard | 12 months | $100,000 | 3.45% | Not ZIP-priced | −1.12% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Savings Certificate - Premier | standard | 12 months | $10,000 | 3.35% | Not ZIP-priced | −1.22% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Savings Certificate - Regular | standard | 12 months | $500 | 3.25% | Not ZIP-priced | −1.32% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Flex Savings Certificate - Executive | promotional | 20 months | $100,000 | 4.00% | Not ZIP-priced | −0.77% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Flex Savings Certificate - Premier | promotional | 20 months | $10,000 | 3.90% | Not ZIP-priced | −0.87% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Flex Savings Certificate - Regular | promotional | 20 months | $1,000 | 3.80% | Not ZIP-priced | −0.97% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Savings Certificate - Executive | standard | 24 months | $100,000 | 3.50% | Not ZIP-priced | −1.37% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Savings Certificate - Premier | standard | 24 months | $10,000 | 3.40% | Not ZIP-priced | −1.47% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Savings Certificate - Regular | standard | 24 months | $500 | 3.30% | Not ZIP-priced | −1.57% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Savings Certificate - Executive | standard | 36 months | $100,000 | 3.55% | Not ZIP-priced | −1.40% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Savings Certificate - Premier | standard | 36 months | $10,000 | 3.45% | Not ZIP-priced | −1.50% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Savings Certificate - Regular | standard | 36 months | $500 | 3.35% | Not ZIP-priced | −1.60% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Savings Certificate - Regular | standard | 60 months | $500 | 4.60% | Not ZIP-priced | −0.41% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Savings Certificate - Premier | standard | 60 months | $10,000 | 4.60% | Not ZIP-priced | −0.41% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |
| Savings Certificate - Executive | standard | 60 months | $100,000 | 4.60% | Not ZIP-priced | −0.41% | 2026-10-23T02:10:12.000Z | [Snapshot 855](https://apyledger.com/snapshots/855) |

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.