# Members 1st Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/members-1st-credit-union
Institution: Members 1st Federal Credit Union (NCUA 6694)
Aliases: Members 1st, Members 1st FCU
Status: live
Last verified: 2026-10-22T07:00:30.000Z (October 22, 2026)
Official source: https://www.members1st.org/ask-us/rate-center
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 | standard | 12 months | $500 | 1.15% | Not ZIP-priced | −3.42% | 2026-10-22T07:00:30.000Z | [Snapshot 153](https://apyledger.com/snapshots/153) |
| Certificate | standard | 18 months | $500 | 1.35% | Not ZIP-priced | −3.37% | 2026-10-22T07:00:30.000Z | [Snapshot 153](https://apyledger.com/snapshots/153) |
| Certificate | standard | 24 months | $500 | 1.45% | Not ZIP-priced | −3.42% | 2026-10-22T07:00:30.000Z | [Snapshot 153](https://apyledger.com/snapshots/153) |
| Certificate | standard | 36 months | $500 | 1.70% | Not ZIP-priced | −3.25% | 2026-10-22T07:00:30.000Z | [Snapshot 153](https://apyledger.com/snapshots/153) |

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.