# McCoy Federal Credit Union CD and share certificate rates

As of October 22, 2026, McCoy Federal Credit Union's highest tracked CD (share certificate) rate is 4.28% APY on a 24-month CD ($1,000 minimum). That is 2.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 1.51% to 4.28% APY.

Canonical page: https://apyledger.com/cd-rates/mccoy-federal-credit-union
Institution: Mccoy Federal Credit Union (NCUA 9915)
Aliases: 
Status: live
Last verified: 2026-10-23T01:43:36.000Z (October 22, 2026)
Official source: https://www.mccoyfcu.org/current-rates/
Coverage: Membership required. Share certificates quoted by balance tier ($1,000 minimum), including promotional 10-, 13-, 15-, 18- and 23-month terms. 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 | standard | 6 months | $100,000 | 1.81% | Not ZIP-priced | −2.58% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 6 months | $25,000 | 1.71% | Not ZIP-priced | −2.68% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 6 months | $5,000 | 1.61% | Not ZIP-priced | −2.79% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 6 months | $1,000 | 1.51% | Not ZIP-priced | −2.89% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | promotional | 10 months | $1,000 | 2.79% | Not ZIP-priced | −1.73% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 12 months | $1,000 | 3.76% | Not ZIP-priced | −0.81% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 12 months | $5,000 | 3.76% | Not ZIP-priced | −0.81% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 12 months | $25,000 | 3.76% | Not ZIP-priced | −0.81% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 12 months | $100,000 | 3.76% | Not ZIP-priced | −0.81% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | promotional | 13 months | $1,000 | 2.79% | Not ZIP-priced | −1.81% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | promotional | 15 months | $1,000 | 2.17% | Not ZIP-priced | −2.47% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | promotional | 18 months | $1,000 | 4.23% | Not ZIP-priced | −0.49% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | promotional | 23 months | $1,000 | 2.12% | Not ZIP-priced | −2.72% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 24 months | $1,000 | 4.28% | Not ZIP-priced | −0.59% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 24 months | $5,000 | 4.28% | Not ZIP-priced | −0.59% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 24 months | $25,000 | 4.28% | Not ZIP-priced | −0.59% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 24 months | $100,000 | 4.28% | Not ZIP-priced | −0.59% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 36 months | $1,000 | 4.07% | Not ZIP-priced | −0.88% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 36 months | $5,000 | 4.07% | Not ZIP-priced | −0.88% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 36 months | $25,000 | 4.07% | Not ZIP-priced | −0.88% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 36 months | $100,000 | 4.07% | Not ZIP-priced | −0.88% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 60 months | $1,000 | 4.07% | Not ZIP-priced | −0.94% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 60 months | $5,000 | 4.07% | Not ZIP-priced | −0.94% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 60 months | $25,000 | 4.07% | Not ZIP-priced | −0.94% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |
| Share Certificate | standard | 60 months | $100,000 | 4.07% | Not ZIP-priced | −0.94% | 2026-10-23T01:43:36.000Z | [Snapshot 654](https://apyledger.com/snapshots/654) |

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.