# Kirtland Federal Credit Union CD and share certificate rates

As of October 22, 2026, Kirtland Federal Credit Union's highest tracked CD (share certificate) rate is 5.12% APY on an 18-month promotional CD ($500 minimum). That is 3.3 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 2.94% to 3.82% APY.

Canonical page: https://apyledger.com/cd-rates/kirtland-federal-credit-union
Institution: Kirtland Federal Credit Union (NCUA 12199)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:19.000Z (October 22, 2026)
Official source: https://kirtlandcu.org/rates-certificates/
Coverage: Membership required. Share certificates from 3 to 60 months in six balance tiers, plus an 18-month special. 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 | $200,000 | 3.20% | Not ZIP-priced | −1.09% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 3 months | $100,000 | 3.14% | Not ZIP-priced | −1.15% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 3 months | $50,000 | 3.09% | Not ZIP-priced | −1.21% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 3 months | $10,000 | 3.04% | Not ZIP-priced | −1.25% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 3 months | $5,000 | 2.99% | Not ZIP-priced | −1.30% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 3 months | $500 | 2.94% | Not ZIP-priced | −1.35% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 6 months | $200,000 | 3.35% | Not ZIP-priced | −1.05% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 6 months | $100,000 | 3.30% | Not ZIP-priced | −1.10% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 6 months | $50,000 | 3.25% | Not ZIP-priced | −1.15% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 6 months | $10,000 | 3.20% | Not ZIP-priced | −1.20% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 6 months | $5,000 | 3.14% | Not ZIP-priced | −1.26% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 6 months | $500 | 3.09% | Not ZIP-priced | −1.31% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 9 months | $200,000 | 3.45% | Not ZIP-priced | −1.03% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 9 months | $100,000 | 3.40% | Not ZIP-priced | −1.08% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 9 months | $50,000 | 3.35% | Not ZIP-priced | −1.13% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 9 months | $10,000 | 3.30% | Not ZIP-priced | −1.18% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 9 months | $5,000 | 3.25% | Not ZIP-priced | −1.23% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 9 months | $500 | 3.20% | Not ZIP-priced | −1.28% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 12 months | $200,000 | 3.56% | Not ZIP-priced | −1.01% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 12 months | $100,000 | 3.51% | Not ZIP-priced | −1.06% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 12 months | $50,000 | 3.45% | Not ZIP-priced | −1.12% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 12 months | $10,000 | 3.40% | Not ZIP-priced | −1.17% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 12 months | $5,000 | 3.35% | Not ZIP-priced | −1.22% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 12 months | $500 | 3.30% | Not ZIP-priced | −1.27% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| 18-Month Limited-Time Share Certificate | promotional | 18 months | $500 | 5.12% | Not ZIP-priced | +0.40% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| 18-Month Limited-Time Share Certificate | promotional | 18 months | $1,000 | 5.12% | Not ZIP-priced | +0.40% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| 18-Month Limited-Time Share Certificate | promotional | 18 months | $5,000 | 5.12% | Not ZIP-priced | +0.40% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| 18-Month Limited-Time Share Certificate | promotional | 18 months | $10,000 | 5.12% | Not ZIP-priced | +0.40% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| 18-Month Limited-Time Share Certificate | promotional | 18 months | $50,000 | 5.12% | Not ZIP-priced | +0.40% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| 18-Month Limited-Time Share Certificate | promotional | 18 months | $100,000 | 5.12% | Not ZIP-priced | +0.40% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| 18-Month Limited-Time Share Certificate | promotional | 18 months | $200,000 | 5.12% | Not ZIP-priced | +0.40% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 24 months | $200,000 | 3.66% | Not ZIP-priced | −1.21% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 24 months | $100,000 | 3.61% | Not ZIP-priced | −1.26% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 24 months | $50,000 | 3.56% | Not ZIP-priced | −1.31% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 24 months | $10,000 | 3.51% | Not ZIP-priced | −1.36% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 24 months | $5,000 | 3.45% | Not ZIP-priced | −1.42% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 24 months | $500 | 3.40% | Not ZIP-priced | −1.47% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| 30-Month Limited-Time Share Certificate | promotional | 30 months | $500 | 4.85% | Not ZIP-priced | −0.06% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| 30-Month Limited-Time Share Certificate | promotional | 30 months | $1,000 | 4.85% | Not ZIP-priced | −0.06% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| 30-Month Limited-Time Share Certificate | promotional | 30 months | $5,000 | 4.85% | Not ZIP-priced | −0.06% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| 30-Month Limited-Time Share Certificate | promotional | 30 months | $10,000 | 4.85% | Not ZIP-priced | −0.06% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| 30-Month Limited-Time Share Certificate | promotional | 30 months | $50,000 | 4.85% | Not ZIP-priced | −0.06% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| 30-Month Limited-Time Share Certificate | promotional | 30 months | $100,000 | 4.85% | Not ZIP-priced | −0.06% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| 30-Month Limited-Time Share Certificate | promotional | 30 months | $200,000 | 4.85% | Not ZIP-priced | −0.06% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 36 months | $200,000 | 3.71% | Not ZIP-priced | −1.24% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 36 months | $100,000 | 3.66% | Not ZIP-priced | −1.29% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 36 months | $50,000 | 3.61% | Not ZIP-priced | −1.34% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 36 months | $10,000 | 3.56% | Not ZIP-priced | −1.39% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 36 months | $5,000 | 3.51% | Not ZIP-priced | −1.44% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 36 months | $500 | 3.45% | Not ZIP-priced | −1.50% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 48 months | $200,000 | 3.76% | Not ZIP-priced | −1.22% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 48 months | $100,000 | 3.71% | Not ZIP-priced | −1.27% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 48 months | $50,000 | 3.66% | Not ZIP-priced | −1.32% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 48 months | $10,000 | 3.61% | Not ZIP-priced | −1.37% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 48 months | $5,000 | 3.56% | Not ZIP-priced | −1.42% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 48 months | $500 | 3.51% | Not ZIP-priced | −1.47% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 60 months | $200,000 | 3.82% | Not ZIP-priced | −1.19% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 60 months | $100,000 | 3.76% | Not ZIP-priced | −1.25% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 60 months | $50,000 | 3.71% | Not ZIP-priced | −1.30% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 60 months | $10,000 | 3.66% | Not ZIP-priced | −1.35% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 60 months | $5,000 | 3.61% | Not ZIP-priced | −1.40% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |
| Share Certificate | standard | 60 months | $500 | 3.56% | Not ZIP-priced | −1.45% | 2026-10-23T02:10:19.000Z | [Snapshot 859](https://apyledger.com/snapshots/859) |

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.