# Marine Credit Union CD and share certificate rates

As of October 22, 2026, Marine Credit Union's highest tracked CD (share certificate) rate is 4.25% APY on a 13-month promotional CD ($1,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%).

Canonical page: https://apyledger.com/cd-rates/marine-credit-union
Institution: Marine Credit Union (NCUA 66752)
Aliases: 
Status: live
Last verified: 2026-10-22T16:23:20.000Z (October 22, 2026)
Official source: https://www.marinecu.com/save-spend/share-certificates/
Coverage: Membership required. Certificate specials only (currently 6, 9 and 13 months), with a $1,000 minimum balance to earn dividends. Standard certificate rates are not included. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate Special | promotional | 6 months | $1,000 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-22T16:23:20.000Z | [Snapshot 373](https://apyledger.com/snapshots/373) |
| Certificate Special | promotional | 9 months | $1,000 | 4.00% | Not ZIP-priced | −0.48% | 2026-10-22T16:23:20.000Z | [Snapshot 373](https://apyledger.com/snapshots/373) |
| Certificate Special | promotional | 13 months | $1,000 | 4.25% | Not ZIP-priced | −0.35% | 2026-10-22T16:23:20.000Z | [Snapshot 373](https://apyledger.com/snapshots/373) |

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.