Northrop Grumman Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Northrop Grumman Federal Credit Union's highest tracked CD (share certificate) rate is 4.17% APY on a 36-month promotional CD ($40,000 minimum). That is 3.0 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 3.45% to 4.02% APY.
Tracking began .
With $10,000 and no relationship requirement: 4.02% on 36 months
Northrop Grumman Federal Credit Union CD & share certificate rates
Membership required. Certificates from 6 to 84 months with $2,500 and $40,000 minimum daily balance tiers, and the 12-month YOUth Boost certificate ($250). Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | Bonus Certificate Promotional | $40,000 | 3.66% | −0.74% | Top 35% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Certificate | $2,500 | 3.55% | −0.85% | Top 43% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | Bonus Certificate Promotional | $40,000 | 4.07% | −0.50% | Top 19% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | YOUth Boost 12-Month Special | $250 | 3.91% | −0.66% | Top 31% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate | $2,500 | 3.91% | −0.66% | Top 31% of tracked 12-month CDs · Verified October 22, 2026 |
| 24 months | Bonus Certificate Promotional | $40,000 | 4.12% | −0.75% | Top 16% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate | $2,500 | 3.97% | −0.90% | Top 27% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | Bonus Certificate Promotional | $40,000 | 3.91% | −1.00% | Verified October 22, 2026 |
| 30 months | Certificate | $2,500 | 3.76% | −1.15% | Verified October 22, 2026 |
| 36 months | Bonus Certificate Promotional | $40,000 | 4.17% | −0.78% | Top 11% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Certificate | $2,500 | 4.02% | −0.93% | Top 17% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Bonus Certificate Promotional | $40,000 | 4.12% | −0.86% | Top 12% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Certificate | $2,500 | 3.97% | −1.01% | Top 18% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Bonus Certificate Promotional | $40,000 | 4.12% | −0.89% | Top 16% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Certificate | $2,500 | 3.97% | −1.04% | Top 22% of tracked 60-month CDs · Verified October 22, 2026 |
| 84 months | Bonus Certificate Promotional | $40,000 | 3.60% | −1.49% | Verified October 22, 2026 |
| 84 months | Certificate | $2,500 | 3.45% | −1.64% | 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.
Watch the renewal rate
The best promotional rate here is 4.17% APY (36 months). The standard rate for a similar term is 4.02% APY (36 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $15 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Northrop Grumman Federal Credit Union's best CD rates by term?
Northrop Grumman Federal Credit Union's best rate is 4.17% APY on 36 months, verified October 22, 2026.
- 6 mo3.66%
- 12 mo4.07%
- 24 mo4.12%
- 30 mo3.91%
- 36 mo4.17%
- 48 mo4.12%
- 60 mo4.12%
- 84 mo3.60%
How much interest could a Northrop Grumman Federal 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.
$1,255.13 interest · $11,255.13 at maturity on $10,000.00.
4.02% APY · 36 months · Certificate · 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 |
|---|---|---|---|---|
| 6 months | $88.223.55% APY · Certificate · Standard | $176.443.55% APY · Certificate · Standard | $441.103.55% APY · Certificate · Standard | $909.283.66% APY · Bonus Certificate · Promotional |
| 12 months | $195.503.91% APY · Certificate · Standard | $391.003.91% APY · Certificate · Standard | $977.503.91% APY · Certificate · Standard | $2,035.004.07% APY · Bonus Certificate · Promotional |
| 24 months | $404.883.97% APY · Certificate · Standard | $809.763.97% APY · Certificate · Standard | $2,024.403.97% APY · Certificate · Standard | $4,204.874.12% APY · Bonus Certificate · Promotional |
| 30 months | $483.613.76% APY · Certificate · Standard | $967.233.76% APY · Certificate · Standard | $2,418.073.76% APY · Certificate · Standard | $5,034.653.91% APY · Bonus Certificate · Promotional |
| 36 months | $627.574.02% APY · Certificate · Standard | $1,255.134.02% APY · Certificate · Standard | $3,137.834.02% APY · Certificate · Standard | $6,519.464.17% APY · Bonus Certificate · Promotional |
| 48 months | $842.553.97% APY · Certificate · Standard | $1,685.093.97% APY · Certificate · Standard | $4,212.733.97% APY · Certificate · Standard | $8,763.364.12% APY · Bonus Certificate · Promotional |
| 60 months | $1,074.503.97% APY · Certificate · Standard | $2,148.993.97% APY · Certificate · Standard | $5,372.483.97% APY · Certificate · Standard | $11,184.414.12% APY · Bonus Certificate · Promotional |
| 84 months | $1,339.923.45% APY · Certificate · Standard | $2,679.833.45% APY · Certificate · Standard | $6,699.583.45% APY · Certificate · Standard | $14,045.453.60% APY · Bonus Certificate · Promotional |
How Northrop Grumman Federal 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 1095-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 42 of 340 tracked institutions with fresh 1095-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 |
|---|---|---|---|---|---|
| Northrop Grumman Federal Credit Union (this institution)Bonus Certificate · Promotional | 36 months | $40,000 | Membership required · branches in 10 states | 4.17% | October 22, 2026 |
| Popular DirectCD · Standard | 36 months | $10,000 | Available nationwide | 4.85% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 36 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Tower Federal Credit UnionRegular Share Certificate · Standard | 36 months | $500 | Membership required · branches in MD | 4.80% | October 22, 2026 |
| Quorum Federal Credit Union (highest tracked APY for this term)36-Month Term Account · Standard | 36 months | $100 | Membership required · branches in NY | 4.90% | October 22, 2026 |
| Treasury (APY-equivalent) | 36 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.95% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Northrop Grumman Federal Credit Union on October 22, 2026.
About Northrop Grumman Federal Credit Union
- Legal name
- Northrop Grumman Federal Credit Union
- Regulator ID
- NCUA 24292
- Headquarters
- Gardena, CA
- Available in
- AL, AZ, CA, CO, FL, IL, LA, MD, UT, VA
- Total assets
- $1.7 billion
- Also known as
- Website
- www.ngfcu.us
Source: rates read from https://www.ngfcu.us/rates/savings-rates/certificates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Northrop Grumman Federal Credit Union?
Among the rates we track, 4.17% APY on a 36-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Northrop Grumman Federal Credit Union CD?
The lowest minimum we found is $250; jumbo and higher balance tiers start at up to $40,000.
How does Northrop Grumman Federal Credit Union's best CD rate compare with Treasury yields?
4.17% APY is −0.78% 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 4.17% a good CD rate?
It is 3.0 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 Northrop Grumman Federal Credit Union CDs insured?
Northrop Grumman Federal Credit Union is a federally insured credit union (NCUA 24292). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Northrop Grumman 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 Northrop Grumman 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 Northrop Grumman Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Northrop Grumman Federal Credit Union before opening an account. This page is not financial advice.