Members 1st Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Members 1st Federal Credit Union's highest CD (share certificate) rate is 1.70% APY on a 36-month CD ($500 minimum). That is 1.2 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 1.15% to 1.70% APY.
Tracking began .
Members 1st Federal Credit Union CD & share certificate rates
| Term | Product | APY |
|---|---|---|
| 12 months | Certificate | 1.15%Verified October 22, 2026 |
| 18 months | Certificate | 1.35%Verified October 22, 2026 |
| 24 months | Certificate | 1.45%Verified October 22, 2026 |
| 36 months | Certificate | 1.70%Verified October 22, 2026 |
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 Members 1st Federal Credit Union's best CD rates by term?
Members 1st Federal Credit Union's best rate is 1.70% APY on 36 months, verified October 22, 2026.
- 12 mo1.15%
- 18 mo1.35%
- 24 mo1.45%
- 36 mo1.70%
How Members 1st Federal Credit Union compares
- Popular Direct: best 5.00% APY on 60 months.
- Barclays: best 4.75% APY on 24 months.
- Sallie Mae Bank: best 4.75% APY on 60 months.
- 36-month Treasury: 4.95% APY-equivalent.
Rate changes
No changes since we started tracking Members 1st Federal Credit Union on October 22, 2026.
About Members 1st Federal Credit Union
- Legal name
- Members 1st Federal Credit Union
- Regulator ID
- NCUA 6694
- Headquarters
- Enola, PA
- Available in
- PA
- Total assets
- $8.7 billion
- Also known as
- Members 1st, Members 1st FCU
- Website
- www.members1st.org
Source: rates read from https://www.members1st.org/ask-us/rate-center. See the page text we read.
Frequently asked questions
What is the highest CD rate at Members 1st Federal Credit Union?
1.70% APY on a 36-month CD, as of October 22, 2026.
What is the minimum deposit for a Members 1st Federal Credit Union CD?
The lowest minimum we found is $500.
How does Members 1st Federal Credit Union's best CD rate compare with Treasury yields?
1.70% APY is −3.25% versus the 36-month Treasury yield of 4.95% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 1.70% a good CD rate?
It is 1.2 times the FDIC national average for a similar term (1.39% 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 Members 1st Federal Credit Union CDs insured?
Members 1st Federal Credit Union is a federally insured credit union (NCUA 6694). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Members 1st Federal 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 Members 1st Federal 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 Members 1st Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Members 1st Federal Credit Union before opening an account. This page is not financial advice.