# Mazuma Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/mazuma-credit-union
Institution: Mazuma Credit Union (NCUA 64084)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:26.000Z (October 22, 2026)
Official source: https://www.mazuma.org/certificate-of-deposit
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Classic CD | standard | 3 months | $500 | 2.90% | Not ZIP-priced | −1.40% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Classic CD | standard | 6 months | $500 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Premier CD | standard | 12 months | $25,000 | 3.70% | Not ZIP-priced | −0.87% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Signature CD | standard | 12 months | $10,000 | 3.60% | Not ZIP-priced | −0.97% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Wealth Builder CD | special | 12 months | $100 | 3.50% | Not ZIP-priced | −1.07% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Classic CD | standard | 12 months | $500 | 3.50% | Not ZIP-priced | −1.07% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Premier CD | standard | 18 months | $25,000 | 3.85% | Not ZIP-priced | −0.87% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Signature CD | standard | 18 months | $10,000 | 3.75% | Not ZIP-priced | −0.97% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Classic CD | standard | 18 months | $500 | 3.65% | Not ZIP-priced | −1.07% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Premier CD | standard | 24 months | $25,000 | 3.60% | Not ZIP-priced | −1.27% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Signature CD | standard | 24 months | $10,000 | 3.50% | Not ZIP-priced | −1.37% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Classic CD | standard | 24 months | $500 | 3.40% | Not ZIP-priced | −1.47% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Jump Up CD | standard | 24 months | $5,000 | 3.40% | Not ZIP-priced | −1.47% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Jump Up CD | standard | 24 months | $5,000 | 3.40% | Not ZIP-priced | −1.47% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Premier CD | standard | 30 months | $25,000 | 3.40% | Not ZIP-priced | −1.51% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Signature CD | standard | 30 months | $10,000 | 3.30% | Not ZIP-priced | −1.61% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Classic CD | standard | 30 months | $500 | 3.20% | Not ZIP-priced | −1.71% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Premier CD | standard | 36 months | $25,000 | 3.35% | Not ZIP-priced | −1.60% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Signature CD | standard | 36 months | $10,000 | 3.25% | Not ZIP-priced | −1.70% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Young Investors CD | special | 36 months | $100 | 3.15% | Not ZIP-priced | −1.80% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Classic CD | standard | 36 months | $500 | 3.15% | Not ZIP-priced | −1.80% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Jump Up CD | standard | 36 months | $5,000 | 3.15% | Not ZIP-priced | −1.80% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Jump Up CD | standard | 36 months | $5,000 | 3.15% | Not ZIP-priced | −1.80% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Premier CD | standard | 48 months | $25,000 | 3.30% | Not ZIP-priced | −1.68% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Signature CD | standard | 48 months | $10,000 | 3.20% | Not ZIP-priced | −1.78% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Classic CD | standard | 48 months | $500 | 3.10% | Not ZIP-priced | −1.88% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Premier CD | standard | 60 months | $25,000 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Signature CD | standard | 60 months | $10,000 | 3.15% | Not ZIP-priced | −1.86% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |
| Classic CD | standard | 60 months | $500 | 3.05% | Not ZIP-priced | −1.96% | 2026-10-23T02:10:26.000Z | [Snapshot 860](https://apyledger.com/snapshots/860) |

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.