# OnPoint Community Credit Union CD and share certificate rates

As of October 22, 2026, OnPoint Community Credit Union's highest tracked CD (share certificate) rate is 2.75% APY on a 60-month relationship CD ($1,000 minimum). That is 2.0 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 1.50% to 2.50% APY.

Canonical page: https://apyledger.com/cd-rates/onpoint-community-credit-union
Institution: Onpoint Community Credit Union (NCUA 62745)
Aliases: 
Status: live
Last verified: 2026-10-23T01:47:58.000Z (October 22, 2026)
Official source: https://www.onpointcu.com/certificates-of-deposit/
Coverage: Membership required. CDs from 3 to 60 months with a $1,000 opening deposit, quoted at standard APYs and higher APYs for members who qualify for OnPoint Rewards. Additional deposits are allowed only on 3-, 6-, 12- and 24-month terms. Early withdrawal penalties 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD with OnPoint Rewards | relationship | 3 months | $1,000 | 1.75% | Not ZIP-priced | −2.54% | 2026-10-23T01:47:58.000Z | [Snapshot 713](https://apyledger.com/snapshots/713) |
| CD | standard | 3 months | $1,000 | 1.50% | Not ZIP-priced | −2.79% | 2026-10-23T01:47:58.000Z | [Snapshot 713](https://apyledger.com/snapshots/713) |
| CD with OnPoint Rewards | relationship | 6 months | $1,000 | 2.01% | Not ZIP-priced | −2.39% | 2026-10-23T01:47:58.000Z | [Snapshot 713](https://apyledger.com/snapshots/713) |
| CD | standard | 6 months | $1,000 | 1.75% | Not ZIP-priced | −2.65% | 2026-10-23T01:47:58.000Z | [Snapshot 713](https://apyledger.com/snapshots/713) |
| CD with OnPoint Rewards | relationship | 12 months | $1,000 | 2.51% | Not ZIP-priced | −2.06% | 2026-10-23T01:47:58.000Z | [Snapshot 713](https://apyledger.com/snapshots/713) |
| CD | standard | 12 months | $1,000 | 2.25% | Not ZIP-priced | −2.32% | 2026-10-23T01:47:58.000Z | [Snapshot 713](https://apyledger.com/snapshots/713) |
| CD with OnPoint Rewards | relationship | 18 months | $1,000 | 2.56% | Not ZIP-priced | −2.16% | 2026-10-23T01:47:58.000Z | [Snapshot 713](https://apyledger.com/snapshots/713) |
| CD | standard | 18 months | $1,000 | 2.30% | Not ZIP-priced | −2.42% | 2026-10-23T01:47:58.000Z | [Snapshot 713](https://apyledger.com/snapshots/713) |
| CD with OnPoint Rewards | relationship | 24 months | $1,000 | 2.61% | Not ZIP-priced | −2.26% | 2026-10-23T01:47:58.000Z | [Snapshot 713](https://apyledger.com/snapshots/713) |
| CD | standard | 24 months | $1,000 | 2.36% | Not ZIP-priced | −2.51% | 2026-10-23T01:47:58.000Z | [Snapshot 713](https://apyledger.com/snapshots/713) |
| CD with OnPoint Rewards | relationship | 36 months | $1,000 | 2.65% | Not ZIP-priced | −2.30% | 2026-10-23T01:47:58.000Z | [Snapshot 713](https://apyledger.com/snapshots/713) |
| CD | standard | 36 months | $1,000 | 2.40% | Not ZIP-priced | −2.55% | 2026-10-23T01:47:58.000Z | [Snapshot 713](https://apyledger.com/snapshots/713) |
| CD with OnPoint Rewards | relationship | 48 months | $1,000 | 2.70% | Not ZIP-priced | −2.28% | 2026-10-23T01:47:58.000Z | [Snapshot 713](https://apyledger.com/snapshots/713) |
| CD | standard | 48 months | $1,000 | 2.45% | Not ZIP-priced | −2.53% | 2026-10-23T01:47:58.000Z | [Snapshot 713](https://apyledger.com/snapshots/713) |
| CD with OnPoint Rewards | relationship | 60 months | $1,000 | 2.75% | Not ZIP-priced | −2.26% | 2026-10-23T01:47:58.000Z | [Snapshot 713](https://apyledger.com/snapshots/713) |
| CD | standard | 60 months | $1,000 | 2.50% | Not ZIP-priced | −2.51% | 2026-10-23T01:47:58.000Z | [Snapshot 713](https://apyledger.com/snapshots/713) |

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.