# MAX Credit Union CD and share certificate rates

As of October 22, 2026, MAX Credit Union's highest tracked CD (share certificate) rate is 4.32% APY on a 15-month CD ($10,000 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.20% to 4.32% APY.

Canonical page: https://apyledger.com/cd-rates/max-credit-union
Institution: Max Credit Union (NCUA 68575)
Aliases: 
Status: live
Last verified: 2026-10-22T16:23:27.000Z (October 22, 2026)
Official source: https://www.mymax.com/save/personal-financial-rates
Coverage: Membership required. Share certificates from 90 days to 60 months ($500), 7- and 15-month specials ($10,000), a 39-month Smart Bump Up certificate ($10,000) and $100,000 jumbo rates. IRA 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate Account | standard | 90 days | $500 | 0.20% | Not ZIP-priced | −4.09% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Jumbo Share Certificate | standard | 90 days | $100,000 | 0.20% | Not ZIP-priced | −4.09% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Certificate Account | standard | 6 months | $500 | 2.50% | Not ZIP-priced | −1.90% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Jumbo Share Certificate | standard | 6 months | $100,000 | 2.50% | Not ZIP-priced | −1.90% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Certificate Account | standard | 7 months | $10,000 | 4.00% | Not ZIP-priced | −0.43% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Certificate Account | standard | 12 months | $500 | 2.52% | Not ZIP-priced | −2.05% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Jumbo Share Certificate | standard | 12 months | $100,000 | 2.50% | Not ZIP-priced | −2.07% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Certificate Account | standard | 15 months | $10,000 | 4.32% | Not ZIP-priced | −0.33% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Certificate Account | standard | 18 months | $500 | 2.52% | Not ZIP-priced | −2.20% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Jumbo Share Certificate | standard | 18 months | $100,000 | 2.50% | Not ZIP-priced | −2.22% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Certificate Account | standard | 24 months | $500 | 2.52% | Not ZIP-priced | −2.35% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Jumbo Share Certificate | standard | 24 months | $100,000 | 2.50% | Not ZIP-priced | −2.37% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Certificate Account | standard | 30 months | $500 | 0.75% | Not ZIP-priced | −4.16% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Jumbo Share Certificate | standard | 30 months | $100,000 | 0.75% | Not ZIP-priced | −4.16% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Certificate Account | standard | 36 months | $500 | 2.52% | Not ZIP-priced | −2.43% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Jumbo Share Certificate | standard | 36 months | $100,000 | 2.50% | Not ZIP-priced | −2.45% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Certificate Account (Smart Bump Up) | standard | 39 months | $10,000 | 2.52% | Not ZIP-priced | −2.44% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Certificate Account | standard | 48 months | $500 | 2.52% | Not ZIP-priced | −2.46% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Jumbo Share Certificate | standard | 48 months | $100,000 | 2.50% | Not ZIP-priced | −2.48% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Certificate Account | standard | 60 months | $500 | 2.52% | Not ZIP-priced | −2.49% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |
| Jumbo Share Certificate | standard | 60 months | $100,000 | 2.50% | Not ZIP-priced | −2.51% | 2026-10-22T16:23:27.000Z | [Snapshot 378](https://apyledger.com/snapshots/378) |

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.