# Northrop Grumman Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/northrop-grumman-federal-credit-union
Institution: Northrop Grumman Federal Credit Union (NCUA 24292)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:40.000Z (October 22, 2026)
Official source: https://www.ngfcu.us/rates/savings-rates/certificates
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Bonus Certificate | promotional | 6 months | $40,000 | 3.66% | Not ZIP-priced | −0.74% | 2026-10-23T02:10:40.000Z | [Snapshot 873](https://apyledger.com/snapshots/873) |
| Certificate | standard | 6 months | $2,500 | 3.55% | Not ZIP-priced | −0.85% | 2026-10-23T02:10:40.000Z | [Snapshot 873](https://apyledger.com/snapshots/873) |
| Bonus Certificate | promotional | 12 months | $40,000 | 4.07% | Not ZIP-priced | −0.50% | 2026-10-23T02:10:40.000Z | [Snapshot 873](https://apyledger.com/snapshots/873) |
| YOUth Boost 12-Month | special | 12 months | $250 | 3.91% | Not ZIP-priced | −0.66% | 2026-10-23T02:10:40.000Z | [Snapshot 873](https://apyledger.com/snapshots/873) |
| Certificate | standard | 12 months | $2,500 | 3.91% | Not ZIP-priced | −0.66% | 2026-10-23T02:10:40.000Z | [Snapshot 873](https://apyledger.com/snapshots/873) |
| Bonus Certificate | promotional | 24 months | $40,000 | 4.12% | Not ZIP-priced | −0.75% | 2026-10-23T02:10:40.000Z | [Snapshot 873](https://apyledger.com/snapshots/873) |
| Certificate | standard | 24 months | $2,500 | 3.97% | Not ZIP-priced | −0.90% | 2026-10-23T02:10:40.000Z | [Snapshot 873](https://apyledger.com/snapshots/873) |
| Bonus Certificate | promotional | 30 months | $40,000 | 3.91% | Not ZIP-priced | −1.00% | 2026-10-23T02:10:40.000Z | [Snapshot 873](https://apyledger.com/snapshots/873) |
| Certificate | standard | 30 months | $2,500 | 3.76% | Not ZIP-priced | −1.15% | 2026-10-23T02:10:40.000Z | [Snapshot 873](https://apyledger.com/snapshots/873) |
| Bonus Certificate | promotional | 36 months | $40,000 | 4.17% | Not ZIP-priced | −0.78% | 2026-10-23T02:10:40.000Z | [Snapshot 873](https://apyledger.com/snapshots/873) |
| Certificate | standard | 36 months | $2,500 | 4.02% | Not ZIP-priced | −0.93% | 2026-10-23T02:10:40.000Z | [Snapshot 873](https://apyledger.com/snapshots/873) |
| Bonus Certificate | promotional | 48 months | $40,000 | 4.12% | Not ZIP-priced | −0.86% | 2026-10-23T02:10:40.000Z | [Snapshot 873](https://apyledger.com/snapshots/873) |
| Certificate | standard | 48 months | $2,500 | 3.97% | Not ZIP-priced | −1.01% | 2026-10-23T02:10:40.000Z | [Snapshot 873](https://apyledger.com/snapshots/873) |
| Bonus Certificate | promotional | 60 months | $40,000 | 4.12% | Not ZIP-priced | −0.89% | 2026-10-23T02:10:40.000Z | [Snapshot 873](https://apyledger.com/snapshots/873) |
| Certificate | standard | 60 months | $2,500 | 3.97% | Not ZIP-priced | −1.04% | 2026-10-23T02:10:40.000Z | [Snapshot 873](https://apyledger.com/snapshots/873) |
| Bonus Certificate | promotional | 84 months | $40,000 | 3.60% | Not ZIP-priced | −1.49% | 2026-10-23T02:10:40.000Z | [Snapshot 873](https://apyledger.com/snapshots/873) |
| Certificate | standard | 84 months | $2,500 | 3.45% | Not ZIP-priced | −1.64% | 2026-10-23T02:10:40.000Z | [Snapshot 873](https://apyledger.com/snapshots/873) |

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.