# Keesler Federal Credit Union CD and share certificate rates

As of October 22, 2026, Keesler Federal Credit Union's highest tracked CD (share certificate) rate is 3.25% APY on an 18-month CD ($1,000 minimum). That is 2.1 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 0.35% to 3.25% APY.

Canonical page: https://apyledger.com/cd-rates/keesler-federal-credit-union
Institution: Keesler Federal Credit Union (NCUA 5561)
Aliases: 
Status: live
Last verified: 2026-10-22T16:23:06.000Z (October 22, 2026)
Official source: https://www.kfcu.org/rates
Coverage: Membership required. Share and IRA certificates, including FirstStep and $100,000 Jumbo certificates; minimum balances differ by term and product. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Jumbo Share & IRA Certificates | standard | 6 months | $100,000 | 0.45% | Not ZIP-priced | −3.95% | 2026-10-22T16:23:06.000Z | [Snapshot 370](https://apyledger.com/snapshots/370) |
| Share & IRA Certificate Accounts | standard | 6 months | $1,000 | 0.35% | Not ZIP-priced | −4.05% | 2026-10-22T16:23:06.000Z | [Snapshot 370](https://apyledger.com/snapshots/370) |
| Share & IRA Certificate Accounts | standard | 12 months | $100 | 3.00% | Not ZIP-priced | −1.57% | 2026-10-22T16:23:06.000Z | [Snapshot 370](https://apyledger.com/snapshots/370) |
| Jumbo Share & IRA Certificates | standard | 12 months | $100,000 | 3.00% | Not ZIP-priced | −1.57% | 2026-10-22T16:23:06.000Z | [Snapshot 370](https://apyledger.com/snapshots/370) |
| Share & IRA Certificate Accounts - FirstStep | special | 12 months | $25 | 1.05% | Not ZIP-priced | −3.52% | 2026-10-22T16:23:06.000Z | [Snapshot 370](https://apyledger.com/snapshots/370) |
| Share & IRA Certificate Accounts | standard | 18 months | $1,000 | 3.25% | Not ZIP-priced | −1.47% | 2026-10-22T16:23:06.000Z | [Snapshot 370](https://apyledger.com/snapshots/370) |
| Jumbo Share & IRA Certificates | standard | 18 months | $100,000 | 3.25% | Not ZIP-priced | −1.47% | 2026-10-22T16:23:06.000Z | [Snapshot 370](https://apyledger.com/snapshots/370) |
| Jumbo Share & IRA Certificates | standard | 24 months | $100,000 | 0.95% | Not ZIP-priced | −3.92% | 2026-10-22T16:23:06.000Z | [Snapshot 370](https://apyledger.com/snapshots/370) |
| Share & IRA Certificate Accounts | standard | 24 months | $1,000 | 0.85% | Not ZIP-priced | −4.02% | 2026-10-22T16:23:06.000Z | [Snapshot 370](https://apyledger.com/snapshots/370) |
| Jumbo Share & IRA Certificates | standard | 36 months | $100,000 | 0.90% | Not ZIP-priced | −4.05% | 2026-10-22T16:23:06.000Z | [Snapshot 370](https://apyledger.com/snapshots/370) |
| Share & IRA Certificate Accounts | standard | 36 months | $1,000 | 0.80% | Not ZIP-priced | −4.15% | 2026-10-22T16:23:06.000Z | [Snapshot 370](https://apyledger.com/snapshots/370) |
| Jumbo Share & IRA Certificates | standard | 48 months | $100,000 | 1.20% | Not ZIP-priced | −3.78% | 2026-10-22T16:23:06.000Z | [Snapshot 370](https://apyledger.com/snapshots/370) |
| Share & IRA Certificate Accounts | standard | 48 months | $1,000 | 1.10% | Not ZIP-priced | −3.88% | 2026-10-22T16:23:06.000Z | [Snapshot 370](https://apyledger.com/snapshots/370) |
| Jumbo Share & IRA Certificates | standard | 60 months | $100,000 | 1.45% | Not ZIP-priced | −3.56% | 2026-10-22T16:23:06.000Z | [Snapshot 370](https://apyledger.com/snapshots/370) |
| Share & IRA Certificate Accounts | standard | 60 months | $1,000 | 1.35% | Not ZIP-priced | −3.66% | 2026-10-22T16:23:06.000Z | [Snapshot 370](https://apyledger.com/snapshots/370) |

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.