# Numerica Credit Union CD and share certificate rates

As of October 22, 2026, Numerica Credit Union's highest tracked CD (share certificate) rate is 4.25% APY on a 17-month promotional CD ($1,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.50% to 4.00% APY.

Canonical page: https://apyledger.com/cd-rates/numerica-credit-union
Institution: Numerica Credit Union (NCUA 66841)
Aliases: 
Status: live
Last verified: 2026-10-22T16:36:10.000Z (October 22, 2026)
Official source: https://www.numericacu.com/rates
Coverage: Membership required. Published share certificate rates; most certificates require a $1,000 minimum opening balance. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate | standard | 3 months | $1,000 | 3.50% | Not ZIP-priced | −0.79% | 2026-10-22T16:36:10.000Z | [Snapshot 428](https://apyledger.com/snapshots/428) |
| Certificate | standard | 6 months | $1,000 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-22T16:36:10.000Z | [Snapshot 428](https://apyledger.com/snapshots/428) |
| Certificate | standard | 12 months | $1,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T16:36:10.000Z | [Snapshot 428](https://apyledger.com/snapshots/428) |
| Certificate | promotional | 17 months | $1,000 | 4.25% | Not ZIP-priced | −0.44% | 2026-10-22T16:36:10.000Z | [Snapshot 428](https://apyledger.com/snapshots/428) |
| Certificate | standard | 18 months | $1,000 | 4.00% | Not ZIP-priced | −0.72% | 2026-10-22T16:36:10.000Z | [Snapshot 428](https://apyledger.com/snapshots/428) |
| Certificate | standard | 24 months | $1,000 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-22T16:36:10.000Z | [Snapshot 428](https://apyledger.com/snapshots/428) |
| Certificate | standard | 36 months | $1,000 | 4.00% | Not ZIP-priced | −0.95% | 2026-10-22T16:36:10.000Z | [Snapshot 428](https://apyledger.com/snapshots/428) |
| Certificate | standard | 48 months | $1,000 | 4.00% | Not ZIP-priced | −0.98% | 2026-10-22T16:36:10.000Z | [Snapshot 428](https://apyledger.com/snapshots/428) |
| Certificate | standard | 60 months | $1,000 | 4.00% | Not ZIP-priced | −1.01% | 2026-10-22T16:36:10.000Z | [Snapshot 428](https://apyledger.com/snapshots/428) |

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.