# LBS Financial Credit Union CD and share certificate rates

As of October 22, 2026, LBS Financial Credit Union's highest tracked CD (share certificate) rate is 4.15% APY on a 10-month promotional CD ($1,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.55% to 4.05% APY.

Canonical page: https://apyledger.com/cd-rates/lbs-financial-credit-union
Institution: Lbs Financial Credit Union (NCUA 68460)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:23.000Z (October 22, 2026)
Official source: https://www.lbsfcu.org/about-us/rates/
Coverage: Membership required. Share certificates from 3 months upward and 5- and 10-month specials; certificate rates are fixed until maturity. 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 – Jumbo | standard | 3 months | $90,000 | 3.70% | Not ZIP-priced | −0.59% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Gold | standard | 3 months | $50,000 | 3.65% | Not ZIP-priced | −0.65% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Silver | standard | 3 months | $20,000 | 3.60% | Not ZIP-priced | −0.69% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Bronze | standard | 3 months | $1,000 | 3.55% | Not ZIP-priced | −0.75% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Promotional Certificate | promotional | 5 months | $1,000 | 4.00% | Not ZIP-priced | −0.39% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Jumbo | standard | 6 months | $90,000 | 3.85% | Not ZIP-priced | −0.55% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Gold | standard | 6 months | $50,000 | 3.80% | Not ZIP-priced | −0.60% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Silver | standard | 6 months | $20,000 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Bronze | standard | 6 months | $2,500 | 3.70% | Not ZIP-priced | −0.70% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Jumbo | standard | 9 months | $90,000 | 3.85% | Not ZIP-priced | −0.63% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Gold | standard | 9 months | $50,000 | 3.80% | Not ZIP-priced | −0.68% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Silver | standard | 9 months | $20,000 | 3.75% | Not ZIP-priced | −0.73% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Bronze | standard | 9 months | $2,500 | 3.70% | Not ZIP-priced | −0.78% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Promotional Certificate | promotional | 10 months | $1,000 | 4.15% | Not ZIP-priced | −0.36% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Jumbo | standard | 12 months | $90,000 | 3.95% | Not ZIP-priced | −0.62% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Gold | standard | 12 months | $50,000 | 3.90% | Not ZIP-priced | −0.67% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Silver | standard | 12 months | $20,000 | 3.85% | Not ZIP-priced | −0.72% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Bronze | standard | 12 months | $2,500 | 3.80% | Not ZIP-priced | −0.77% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Jumbo | standard | 18 months | $90,000 | 4.00% | Not ZIP-priced | −0.72% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Gold | standard | 18 months | $50,000 | 3.95% | Not ZIP-priced | −0.77% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Silver | standard | 18 months | $20,000 | 3.90% | Not ZIP-priced | −0.82% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Bronze | standard | 18 months | $2,500 | 3.85% | Not ZIP-priced | −0.87% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Jumbo | standard | 24 months | $90,000 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Gold | standard | 24 months | $50,000 | 3.95% | Not ZIP-priced | −0.92% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Silver | standard | 24 months | $20,000 | 3.90% | Not ZIP-priced | −0.97% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Bronze | standard | 24 months | $2,500 | 3.85% | Not ZIP-priced | −1.02% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Jumbo | standard | 30 months | $90,000 | 4.00% | Not ZIP-priced | −0.91% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Gold | standard | 30 months | $50,000 | 3.95% | Not ZIP-priced | −0.96% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Silver | standard | 30 months | $20,000 | 3.90% | Not ZIP-priced | −1.01% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Bronze | standard | 30 months | $2,500 | 3.85% | Not ZIP-priced | −1.06% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Jumbo | standard | 36 months | $90,000 | 4.00% | Not ZIP-priced | −0.95% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Gold | standard | 36 months | $50,000 | 3.95% | Not ZIP-priced | −1.00% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Silver | standard | 36 months | $20,000 | 3.90% | Not ZIP-priced | −1.05% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Bronze | standard | 36 months | $2,500 | 3.85% | Not ZIP-priced | −1.10% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Jumbo | standard | 42 months | $90,000 | 4.00% | Not ZIP-priced | −0.97% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Gold | standard | 42 months | $50,000 | 3.95% | Not ZIP-priced | −1.02% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Silver | standard | 42 months | $20,000 | 3.90% | Not ZIP-priced | −1.07% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Bronze | standard | 42 months | $2,500 | 3.85% | Not ZIP-priced | −1.12% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Jumbo | standard | 48 months | $90,000 | 4.05% | Not ZIP-priced | −0.93% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Gold | standard | 48 months | $50,000 | 4.00% | Not ZIP-priced | −0.98% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Silver | standard | 48 months | $20,000 | 3.95% | Not ZIP-priced | −1.03% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Bronze | standard | 48 months | $2,500 | 3.90% | Not ZIP-priced | −1.08% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Jumbo | standard | 60 months | $90,000 | 4.05% | Not ZIP-priced | −0.96% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Gold | standard | 60 months | $50,000 | 4.00% | Not ZIP-priced | −1.01% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Silver | standard | 60 months | $20,000 | 3.95% | Not ZIP-priced | −1.06% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |
| Share Certificate – Bronze | standard | 60 months | $2,500 | 3.90% | Not ZIP-priced | −1.11% | 2026-10-23T02:10:23.000Z | [Snapshot 865](https://apyledger.com/snapshots/865) |

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.