Mazuma Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Mazuma Credit Union's highest tracked CD (share certificate) rate is 3.85% APY on an 18-month CD ($25,000 minimum). That is 2.5 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 2.90% to 3.85% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.75% on 18 months
Mazuma Credit Union CD & share certificate rates
Membership required. CDs from 3 months to 5 years with $500, $10,000 and $25,000 balance tiers, plus Wealth Builder's CD with required monthly deposits. Early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Mazuma Credit Union's best CD rates by term?
Mazuma Credit Union's best rate is 3.85% APY on 18 months, verified October 22, 2026.
- 3 mo2.90%
- 6 mo3.50%
- 12 mo3.70%
- 18 mo3.85%
- 24 mo3.60%
- 30 mo3.40%
- 36 mo3.35%
- 48 mo3.30%
- 60 mo3.25%
How much interest could a Mazuma Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$568.27 interest · $10,568.27 at maturity on $10,000.00.
3.75% APY · 18 months · Signature CD · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $35.762.90% APY · Classic CD · Standard | $71.532.90% APY · Classic CD · Standard | $178.822.90% APY · Classic CD · Standard | $357.642.90% APY · Classic CD · Standard |
| 6 months | $86.993.50% APY · Classic CD · Standard | $173.973.50% APY · Classic CD · Standard | $434.943.50% APY · Classic CD · Standard | $869.873.50% APY · Classic CD · Standard |
| 12 months | $175.003.50% APY · Classic CD · Standard | $360.003.60% APY · Signature CD · Standard | $925.003.70% APY · Premier CD · Standard | $1,850.003.70% APY · Premier CD · Standard |
| 18 months | $276.493.65% APY · Classic CD · Standard | $568.273.75% APY · Signature CD · Standard | $1,458.933.85% APY · Premier CD · Standard | $2,917.853.85% APY · Premier CD · Standard |
| 24 months | $345.783.40% APY · Classic CD · Standard | $712.253.50% APY · Signature CD · Standard | $1,832.403.60% APY · Premier CD · Standard | $3,664.803.60% APY · Premier CD · Standard |
| 30 months | $409.883.20% APY · Classic CD · Standard | $846.013.30% APY · Signature CD · Standard | $2,180.743.40% APY · Premier CD · Standard | $4,361.483.40% APY · Premier CD · Standard |
| 36 months | $487.543.15% APY · Classic CD · Standard | $1,007.033.25% APY · Signature CD · Standard | $2,597.613.35% APY · Premier CD · Standard | $5,195.223.35% APY · Premier CD · Standard |
| 48 months | $649.433.10% APY · Classic CD · Standard | $1,342.763.20% APY · Signature CD · Standard | $3,466.973.30% APY · Premier CD · Standard | $6,933.953.30% APY · Premier CD · Standard |
| 60 months | $810.453.05% APY · Classic CD · Standard | $1,677.403.15% APY · Signature CD · Standard | $4,335.283.25% APY · Premier CD · Standard | $8,670.573.25% APY · Premier CD · Standard |
How Mazuma Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 117 of 331 tracked institutions with fresh 548-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Mazuma Credit Union (this institution)Premier CD · Standard | 18 months | $25,000 | Membership required · branches in KS, MO | 3.85% | October 22, 2026 |
| Bread SavingsBread Savings CD · Standard | 18 months | $1,500 | Available nationwide | 4.85% | October 22, 2026 |
| Popular DirectCD · Standard | 18 months | $10,000 | Available nationwide | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| Kirtland Federal Credit Union (highest tracked APY for this term)18-Month Limited-Time Share Certificate · Promotional | 18 months | $500 | Membership required · branches in NM | 5.12% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.72% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Mazuma Credit Union on October 22, 2026.
About Mazuma Credit Union
- Legal name
- Mazuma Credit Union
- Regulator ID
- NCUA 64084
- Headquarters
- Overland Park, KS
- Available in
- KS, MO
- Total assets
- $1.1 billion
- Also known as
- Website
- www.mazuma.org
Source: rates read from https://www.mazuma.org/certificate-of-deposit. See the page text we read.
Frequently asked questions
What is the highest CD rate at Mazuma Credit Union?
Among the rates we track, 3.85% APY on an 18-month CD, as of October 22, 2026.
What is the minimum deposit for a Mazuma Credit Union CD?
The lowest minimum we found is $100; jumbo and higher balance tiers start at up to $25,000.
How does Mazuma Credit Union's best CD rate compare with Treasury yields?
3.85% APY is −0.87% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.85% a good CD rate?
It is 2.5 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Mazuma Credit Union CDs insured?
Mazuma Credit Union is a federally insured credit union (NCUA 64084). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Mazuma Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Mazuma Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Mazuma Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Mazuma Credit Union before opening an account. This page is not financial advice.