# ORNL Federal Credit Union CD and share certificate rates

As of October 22, 2026, ORNL Federal Credit Union's highest tracked CD (share certificate) rate is 4.50% APY on a 36-month promotional CD ($500 minimum). That is 3.2 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 3.00% to 3.75% APY.

Canonical page: https://apyledger.com/cd-rates/ornl-federal-credit-union
Institution: Ornl Federal Credit Union (NCUA 5797)
Aliases: ORNL FCU
Status: live
Last verified: 2026-10-22T16:24:03.000Z (October 22, 2026)
Official source: https://www.ornlfcu.com/personal/rates
Coverage: Membership required. Includes 7-, 9-, 12-, 36- and 60-month promotional certificates ($500 minimum) and standard certificates quoted for $500, $100,000 and $250,000 balance tiers; any certificate may be opened as an IRA. Term ranges are shown at their lower bound. 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 | $500 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 3 months | $100,000 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 3 months | $250,000 | 3.75% | Not ZIP-priced | −0.54% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 6 months | $500 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 6 months | $100,000 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 6 months | $250,000 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| 7-Month Promotional Certificate | promotional | 7 months | $500 | 4.00% | Not ZIP-priced | −0.43% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| 9-Month Promotional Certificate | promotional | 9 months | $500 | 4.00% | Not ZIP-priced | −0.48% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| 12-Month Promotional Certificate | promotional | 12 months | $500 | 4.25% | Not ZIP-priced | −0.32% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 12 months | $500 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 12 months | $100,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 12 months | $250,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 24 months | $500 | 3.00% | Not ZIP-priced | −1.87% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 24 months | $100,000 | 3.00% | Not ZIP-priced | −1.87% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 24 months | $250,000 | 3.00% | Not ZIP-priced | −1.87% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| 36-Month Promotional Certificate | promotional | 36 months | $500 | 4.50% | Not ZIP-priced | −0.45% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 36 months | $500 | 3.00% | Not ZIP-priced | −1.95% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 36 months | $100,000 | 3.00% | Not ZIP-priced | −1.95% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 36 months | $250,000 | 3.00% | Not ZIP-priced | −1.95% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 48 months | $500 | 3.00% | Not ZIP-priced | −1.98% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 48 months | $100,000 | 3.00% | Not ZIP-priced | −1.98% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 48 months | $250,000 | 3.00% | Not ZIP-priced | −1.98% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| 60-Month Promotional Certificate | promotional | 60 months | $500 | 4.50% | Not ZIP-priced | −0.51% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 60 months | $500 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 60 months | $100,000 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |
| Certificate | standard | 60 months | $250,000 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-22T16:24:03.000Z | [Snapshot 391](https://apyledger.com/snapshots/391) |

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.