# Launch Credit Union CD and share certificate rates

As of October 22, 2026, Launch Credit Union's highest tracked CD (share certificate) rate is 4.50% APY on an 18-month CD ($1,000 minimum). That is 2.9 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.70% to 4.50% APY.

Canonical page: https://apyledger.com/cd-rates/launch-credit-union
Institution: Launch Credit Union (NCUA 68716)
Aliases: 
Status: live
Last verified: 2026-10-22T16:23:18.000Z (October 22, 2026)
Official source: https://www.launchcu.com/rates/
Coverage: Membership required. Certificates from 6 to 60 months ($1,000 minimum) and a 7-month special ($10,000). Terms marked as closed to new accounts and Business Titanium 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 6 months | $1,000 | 3.70% | Not ZIP-priced | −0.70% | 2026-10-22T16:23:18.000Z | [Snapshot 372](https://apyledger.com/snapshots/372) |
| Share Certificate | standard | 12 months | $1,000 | 3.70% | Not ZIP-priced | −0.87% | 2026-10-22T16:23:18.000Z | [Snapshot 372](https://apyledger.com/snapshots/372) |
| Share Certificate | standard | 18 months | $1,000 | 4.50% | Not ZIP-priced | −0.22% | 2026-10-22T16:23:18.000Z | [Snapshot 372](https://apyledger.com/snapshots/372) |
| Share Certificate | standard | 24 months | $1,000 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T16:23:18.000Z | [Snapshot 372](https://apyledger.com/snapshots/372) |
| Share Certificate | standard | 60 months | $1,000 | 3.75% | Not ZIP-priced | −1.26% | 2026-10-22T16:23:18.000Z | [Snapshot 372](https://apyledger.com/snapshots/372) |

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.