# Interra Credit Union CD and share certificate rates

As of October 22, 2026, Interra Credit Union's highest tracked CD (share certificate) rate is 4.35% APY on a 13-month promotional CD ($500 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.40% to 2.00% APY.

Canonical page: https://apyledger.com/cd-rates/interra-credit-union
Institution: Interra Credit Union (NCUA 82794)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:14.000Z (October 22, 2026)
Official source: https://www.interracu.com/rates
Coverage: Membership required. Share certificates from 3 to 60 months and 5- and 13-month specials, each with a $500 minimum. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 3 months | $500 | 0.40% | Not ZIP-priced | −3.90% | 2026-10-23T02:10:14.000Z | [Snapshot 853](https://apyledger.com/snapshots/853) |
| Share Certificate Special | promotional | 5 months | $500 | 4.12% | Not ZIP-priced | −0.27% | 2026-10-23T02:10:14.000Z | [Snapshot 853](https://apyledger.com/snapshots/853) |
| Share Certificate | standard | 6 months | $500 | 0.90% | Not ZIP-priced | −3.50% | 2026-10-23T02:10:14.000Z | [Snapshot 853](https://apyledger.com/snapshots/853) |
| Share Certificate | standard | 12 months | $500 | 1.50% | Not ZIP-priced | −3.07% | 2026-10-23T02:10:14.000Z | [Snapshot 853](https://apyledger.com/snapshots/853) |
| Share Certificate Special | promotional | 13 months | $500 | 4.35% | Not ZIP-priced | −0.25% | 2026-10-23T02:10:14.000Z | [Snapshot 853](https://apyledger.com/snapshots/853) |
| Share Certificate | standard | 18 months | $500 | 1.75% | Not ZIP-priced | −2.97% | 2026-10-23T02:10:14.000Z | [Snapshot 853](https://apyledger.com/snapshots/853) |
| Share Certificate | standard | 24 months | $500 | 1.80% | Not ZIP-priced | −3.07% | 2026-10-23T02:10:14.000Z | [Snapshot 853](https://apyledger.com/snapshots/853) |
| Share Certificate | standard | 36 months | $500 | 1.85% | Not ZIP-priced | −3.10% | 2026-10-23T02:10:14.000Z | [Snapshot 853](https://apyledger.com/snapshots/853) |
| Share Certificate | standard | 48 months | $500 | 1.90% | Not ZIP-priced | −3.08% | 2026-10-23T02:10:14.000Z | [Snapshot 853](https://apyledger.com/snapshots/853) |
| Share Certificate | standard | 60 months | $500 | 2.00% | Not ZIP-priced | −3.01% | 2026-10-23T02:10:14.000Z | [Snapshot 853](https://apyledger.com/snapshots/853) |

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.